| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GHB INC3 Filed as: GHB INSURANCE | PO BOX 1608 OLYMPIA, WA 98507 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $12K | — | $12K | 3.90% |
| GHB INC3 Filed as: GHB INSURANCE | PO BOX 1608 OLYMPIA, WA 98507 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $11K | — | $11K | 3.88% |
| GHB INC3 Filed as: GHB INSURANCE | PO BOX 1608 OLYMPIA, WA 98507 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $8K | — | $8K | 3.90% |
| BELL-ANDERSON AGENCY INC3 | ATTN KATHY WATSON 19401 40TH AVE W STE 405 LYNNWOOD, WA 98036 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $2K | $13K | 8.76% |
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER CMNS BREWSTER, NY 10509 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.42% |
| ACRISURE LLC3 | PO BOX 2897 EVANS, GA 30809 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.75% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY | 600 SW 39TH ST STE 200 RENTON, WA 98057 | VISION SERVICE PLAN | $774 | — | $774 | 7.29% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DR URBANDALE, IA 50323 | VISION SERVICE PLAN | $427 | — | $427 | 4.02% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 65 | $814K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 236 | $147K |
| Vision | VISION SERVICE PLAN | 119 | $11K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 236 | $147K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 236 | $147K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 236 | $147K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 236 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.