| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 906 W 2ND AVE STE 400 SPOKANE, WA 99201 | PREMERA BLUE CROSS | $40K | $10K | $50K | 2.80% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 818 W RIVERSIDE AVE STE 800 SPOKANE, WA 99201 | PREMERA BLUE CROSS | $0 | $770 | $770 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES, INC. | 906 W 2ND AVE STE 400 SPOKANE, WA 99201 | DELTA DENTAL OF WASHINGTON | $8K | $0 | $8K | 4.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 906 W 2ND AVE STE 400 SPOKANE, WA 99201 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $41 | $7K | 7.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FLOOR 14 ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES, INC. | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 906 W 2ND AVE STE 400 SPOKANE, WA 99201 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $1K | $0 | $1K | 10.00% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 111 | $1.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 358 | $198K |
| Vision | VISION SERVICE PLAN | 152 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $91K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $91K |
| Prescription drug | PREMERA BLUE CROSS | 111 | $1.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.