| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | PREMERA BLUE CROSS | $98K | $11K | $110K | 5.05% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, IL 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 4.20% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET, 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.37% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE, SUITE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $197 | $197 | 0.05% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, MD 98402 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.27% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGTOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $38 | $0 | $38 | 0.17% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVE # 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.18% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $181 | $181 | 1.40% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $20 | $20 | 0.16% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, IL 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $595 | $0 | $595 | 10.32% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVE # 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $108 | $0 | $108 | 1.87% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $30 | $30 | 0.52% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11 | $11 | 0.19% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 297 | $2.2M |
| Dental | PREMERA BLUE CROSS | 297 | $2.2M |
| Vision | VISION SERVICE PLAN | 157 | $22K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $395K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $395K |
| Prescription drug | PREMERA BLUE CROSS | 297 | $2.2M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.