| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELL-ANDERSON AGENCY INC3 | KRYSIA R SHORTEN PO BOX 1788 GRAND RAPIDS, MI 49501 | REGENCE BLUESHIELD | $73K | $3K | $77K | 5.21% |
| BELL-ANDERSON AGENCY INC3 | 600 SW 39TH ST STE 200 RENTON, WA 98057 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $6K | $10K | 8.12% |
| BELL-ANDERSON AGENCY INC3 | 600 SW 39TH ST STE 200 RENTON, WA 98057 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 19.99% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY | 600 SW 39TH ST STE 200 RENTON, WA 98507 | VISION SERVICE PLAN | $1K | — | $1K | 5.75% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DR URBANDALE, IA 50323 | VISION SERVICE PLAN | $752 | — | $752 | 4.01% |
| BELL-ANDERSON AGENCY INC3 | 600 SW 39TH ST STE 200 RENTON, WA 98057 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $676 | $3K | 19.97% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY | 600 SW 39TH ST STE 200 RENTON, WA 98057 | TELADOC, INC | $965 | — | $965 | 9.04% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 188 | $1.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $123K |
| Vision | VISION SERVICE PLAN | 154 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $14K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.