| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL BENEFIT CONSULTANTS3 | 7525 SE 24TH STREET, SUITE 350 MERCER ISLAND, WA 98040 | STANDARD INSURANCE COMPANY | $22K | $11K | $33K | 4.41% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 1.00% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | MINNESOTA LIFE INSURANCE COMPANY | $10K | — | $10K | 4.37% |
| AMERICAN LAWYERS INS. PLANS, INC.3 | 321 NORTH CLARK STREET, 14TH FLOOR CHICAGO, IL 60654 | MINNESOTA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.46% |
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 | 1,073 | 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) | 1,073 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 138 | $1.0M |
| Vision(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 138 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,073 | $976K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,073 | $748K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 138 | $1.0M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,073 | $749K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,073 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.