| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | 601 UNION ST STE 1000 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | — | $7K | $7K | 1.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON LLC | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $15 | $16K | 6.15% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | 4605 COLUMBUS ST C/O CASH RECEIPTS VIRGINIA BEACH, VA 23462 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $805 | $11K | 4.17% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING | PO BOX 62949 ATTN DIRECT BILL DIV 250 VIRGINIA BEACH, VA 23466 | CIGNA GROUP INSURANCE | $5K | — | $5K | 9.10% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING | PO BOX 62949 ATTN DIRECT BILL DIV 250 VIRGINIA BEACH, VA 23466 | CIGNA GROUP INSURANCE | $5K | — | $5K | 9.16% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | 501 UNION ST STE 1000 SEATTLE, WA 98101 | VISION SERVICE PLAN | $755 | — | $755 | 2.61% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON LLC | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | VISION SERVICE PLAN | $555 | — | $555 | 1.92% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING | PO BOX 62949 ATTN DIRECT BILL DIV 250 VIRGINIA BEACH, VA 23466 | CIGNA GROUP INSURANCE | $270 | — | $270 | 9.09% |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $266K |
| Vision | VISION SERVICE PLAN | 250 | $29K |
| Life insurance | CIGNA GROUP INSURANCE | 378 | $52K |
| Long-term disability | CIGNA GROUP INSURANCE | 375 | $57K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 346 | $691K |
| Other | CIGNA GROUP INSURANCE | 378 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.