| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELL-ANDERSON AGENCY INC3 Filed as: BELL ANDERSON AGENCY INC | PO BOX 1788 GRAND RAPIDS, MI 49501 | REGENCE BLUESHIELD | $53K | $0 | $53K | 3.43% |
| LIBERTY BENEFITS GROUP LLC3 | PO BOX 691 WOODINVILLE, WA 98072 | REGENCE BLUESHIELD | $24K | $0 | $24K | 1.57% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL ANDERSON AGENCY, INC. | 600 SW 39TH STREET, SUITE 200 RENTON, WA 98057 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 6.26% |
| LIBERTY BENEFITS GROUP LLC3 | PO BOX 691 WOODINVILLE, WA 98072 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.52% |
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER CMNS BREWSTER, NY 10509 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.93% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL ANDERSON AGENCY INC | PO BOX 1788 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $739 | $0 | $739 | 4.02% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | VISION SERVICE PLAN | $736 | $0 | $736 | 4.01% |
| LIBERTY BENEFITS GROUP LLC3 | PO BOX 691 WOODINVILLE, WA 98072 | VISION SERVICE PLAN | $545 | $0 | $545 | 2.97% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 146 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $177K |
| Vision | VISION SERVICE PLAN | 146 | $18K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $177K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $177K |
| Prescription drug | REGENCE BLUESHIELD | 146 | $1.6M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.