| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMSPRING CORPORATION3 | 3911 CASTLEVALE RD. STE 209 YAKIMA, WA 98902 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 4.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 12100 NE 195TH ST SUITE 200 BOTHELL, WA 98011 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.42% |
| FISHER CONSULTING GRP INC3 | DBA FCG BENEFITS PO BOX 1292 YAKIMA, WA 98907 | SYMETRA LIFE INSURANCE COMPANY | $16K | — | $16K | 5.84% |
| EMSPRING CORPORATION3 | 3911 CASTLEVALE RD STE 209 YAKIMA, WA 98902 | SYMETRA LIFE INSURANCE COMPANY | $13K | — | $13K | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES, INC EIN 81-0391256 UTILIZATION REVIEW | Contract Administrator; Other fees Service code 13 | — | $205K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 PBM | Claims processing Service code 12 | — | $26K |
| EMSPRING CORPORATION EIN 91-1856974 BROKER | Insurance agents and brokers Service code 22 | — | $24K |
| FIRST CHOICE HEALTH NETWORK EIN 91-1272766 PPO | Other services Service code 49 | — | $23K |
| EMPLOYEE BENEFIT MGMT SERVICES INC EIN 81-0391256 CASE MANAGEMENT | Other fees Service code 99 | — | $10K |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 354 | $270K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 490 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.