| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHCARE MANAGEMENT ADMINISTRATOR3 | 10700 NORTHUP WAY STE 100 BELLEVUE, WA 98004 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 2.50% |
| R.L. EVANS COMPANY, INC.3 Filed as: R L EVANS COMPANY | 91-1333840 3535 FACTORIA BLVD SE BELLEVUE, WA 98006 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 2.48% |
| R.L. EVANS COMPANY, INC.3 Filed as: RL EVANS CO., INC. | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.56% |
| R.L. EVANS COMPANY, INC.3 Filed as: RL EVANS CO., INC. | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| R.L. EVANS COMPANY, INC.3 Filed as: RL EVANS CO., INC. | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.94% |
| ELITE-VB LLC3 | 341 W. TUDOR RD ANCHORAGE, AK 99503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 1.89% |
| RANDELL LYNN KRUSE3 | 2018 DAYTON COURT SE RENTON, WA 98055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $1 | $34 | 1.61% |
| R.L. EVANS COMPANY, INC.3 Filed as: R.L. EVANS COMPANY | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.62% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DRIVE SE OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.33% |
| PAMELA WHITFIELD3 | 111 HEKILI ST KAILUA, HI 96734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VOYA FINANCIAL EIN 52-1222820 STOP LOSS CARRIER | Insurance services Service code 23 | — | $201K |
| HEALTHCARE MANAGEMENT ADMINISTRATOR EIN 91-1333840 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $97K |
| RL EVANS CO., INC. EIN 91-0849754 BROKER | Insurance agents and brokers Service code 22 | — | $50K |
| ENVISION PHARMACEUTICAL SERVICES EIN 88-0511398 INSURANCE SERVICES | Insurance services Service code 23 | — | $9K |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $37K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $2K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 196 | $201K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.