| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORTUNE MANAGEMENT, INC.3 Filed as: FORTUNE MANAGEMENT INC. | 10702 39TH AVENUE NE SEATTLE, WA 98125 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON INC. | 2106 PACIFIC AVENUE, SUITE 501 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.53% |
| LEHMANN WOOD AND ASSOCIATES, INC.3 Filed as: LEHMANN WOOD AND ASSOCIATES INC | 12505 NE BEL-RED ROAD, SUITE 101 BELLEVUE, WA 98005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 12.30% |
| FORTUNE MANAGEMENT, INC.3 Filed as: FORTUNE MANAGEMENT INC. | PO BOX 75009 SEATTLE, WA 98125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $657 | $0 | $657 | 1.47% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO INS. SERVICES WASHINGTON LLC | 800 5TH AVENUE, SUITE 2400 SEATTLE, WA 98104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $523 | $0 | $523 | 1.17% |
| FORTUNE MANAGEMENT, INC.3 | 10702 39TH AVENUE NE SEATTLE, WA 98125 | VISION SERVICE PLAN | $221 | $0 | $221 | 1.72% |
| LIFE AND HEALTH UNDERWRITERS, INC.3 | 601 UNION STREET, SUITE 2723 SEATTLE, WA 98101 | VISION SERVICE PLAN | $98 | $0 | $98 | 0.76% |
| FORTUNE MANAGEMENT, INC.3 | 10702 39TH AVENUE NE SEATTLE, WA 98125 | FIRST CHOICE HEALTH NETWORK | $381 | $0 | $381 | 9.62% |
| LEHMANN WOOD AND ASSOCIATES, INC.3 Filed as: LEHMANN WOOD JOHNSON INC. | 12505 NE BEL RED ROAD, SUITE 101 BELLEVUE, WA 98005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 2.01% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 156 | $13K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $102K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $55K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
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.