| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $45K | — | $45K | 12.11% |
| LONG TERM CARE SOLUTIONS, INC.3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VOYA FINANCIAL EIN 41-0451140 NONE | Insurance services Service code 23 | — | $1.3M |
| KAISER HEALTH PLAN OF WA OPTIONS EIN 91-1467158 NONE | Insurance services Service code 23 | — | $260K |
| HEALTHCARE MANAGEMENT ADMIN. EIN 91-1333840 NONE | Contract Administrator Service code 13 | — | $245K |
| BROWN & BROWN OF WASHINGTON EIN 91-0378940 NONE | Insurance agents and brokers Service code 22 | — | $206K |
| DELTA DENTAL OF WASHINGTON EIN 91-0621480 NONE | Insurance services Service code 23 | — | $77K |
| WILLAMETTE DENTAL GROUP EIN 91-1702099 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $22K |
| NAVIA BENEFIT SOLUTIONS, INC. NONE | Contract Administrator Service code 13 | PO BOX 53250 BELLEVUE, WA 980153250 | $17K |
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 | 852 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,037 | $368K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,037 | $368K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,037 | $368K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,037 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,037 | — |
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.