| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | — | DELTA DENTAL OF WASHINGTON | $16K | $0 | $16K | 4.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 818 W RIVERSIDE AVE SUITE 800 SPOKANE, WI 99201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $4K | $33K | 17.45% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 818 W RIVERSIDE AVE SUITE 800 SPOKANE, WA 99201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $13K | 17.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | — | WILLAMETTE DENTAL OF WASHINGTON, INC. | $5K | $0 | $5K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 818 W RIVERSIDE AVE STE 800 SPOKANE, WA 99201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 777 108TH AVE NE SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $781 | $0 | $781 | 3.53% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $404 | $404 | 1.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 818 W RIVERSIDE AVE SUITE 800 SPOKANE, WA 99201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $652 | $434 | $1K | 5.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 818 W RIVERSIDE AVE STE 800 SPOKANE, WA 99201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $154 | $1K | 17.46% |
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 | 534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 492 | $367K |
| Vision | VISION SERVICE PLAN | 279 | $34K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6 | $8K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $187K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.