| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 777 108TH AVE., NE BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $3K | — | $3K | 2.96% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 12.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 777 108TH AVE., NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.32% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 16.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 777 108TH AVE., NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.22% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 12.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 777 108TH AVE., NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.47% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 17.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 777 108TH AVE., NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $892 | — | $892 | 2.11% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 777 108TH AVE., NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $489 | — | $489 | 1.67% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 777 108TH AVE., NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $421 | — | $421 | 2.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 603 NORTH 39TH AVENUE YAKIMA, WA 98902 | HAWAII DENTAL SERVICE | $193 | — | $193 | 2.41% |
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 | 610 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | PREMERA BLUE CROSS | 401 | $3.9M |
| Dental(3 contracts, 2 carriers) | PREMERA BLUE CROSS | 401 | $3.8M |
| Vision(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 404 | $228K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 491 | $89K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $55K |
| Prescription drug(4 contracts, 3 carriers) | PREMERA BLUE CROSS | 401 | $3.9M |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 610 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.