| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE NE BELLEVUE, WA 98004 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $15K | — | $15K | 5.38% |
| CAPITAL BENEFIT SERVICES, INC.3 | 15375 SE 30TH PL STE 380 BELLEVUE, WA 980076500 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $5K | — | $5K | 1.77% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE NE BELLEVUE, WA 98004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.09% |
| CAPITAL BENEFIT SERVICES, INC.3 | 15375 SE 30TH PL STE 380 BELLEVUE, WA 980076500 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $563 | — | $563 | 3.35% |
| CAPITAL BENEFIT SERVICES, INC.3 | 15375 SE 30TH PL STE 380 BELLEVUE, WA 980076500 | VISION SERVICE PLAN | $86 | — | $86 | 1.24% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE NE BELLEVUE, WA 98004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $457 | — | $457 | 9.30% |
| CAPITAL BENEFIT SERVICES, INC.3 | 15375 SE 30TH PL STE 380 BELLEVUE, WA 980076500 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $133 | — | $133 | 2.71% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 185 | $287K |
| Dental | DELTA DENTAL OF WASHINGTON | 222 | $56K |
| Vision | VISION SERVICE PLAN | 131 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $5K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $17K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.