| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHCARE MANAGEMENT ADMIN IN3 | PO BOX 85016 BELLEVUE, WA 98015 | SYMETRA LIFE INSURANCE COMPANY | — | $4K | $4K | 0.65% |
| ASSUREDPARTNERS3 | 1325 4TH AVE STE 2100 SEATTLE, WA 981012572 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $16 | $3K | 1.04% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | PO BOX 62949 VIRGINIA BEACH, VA 234662949 | METROPOLITAN LIFE INSURANCE COMPANY | — | $249 | $249 | 0.10% |
| ASSUREDPARTNERS3 | 1325 FOURTH AVENUE STE 2100 SEATTLE, WA 98101 | CIGNA GROUP INSURANCE | $8K | — | $8K | 12.39% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING | PO BOX 62949 ATTN DIRECT BILL DIV 250 VIRGINIA BEACH, VA 23466 | CIGNA GROUP INSURANCE | — | $1K | $1K | 2.18% |
| ASSUREDPARTNERS3 | 1325 FOURTH AVENUE STE 2100 SEATTLE, WA 98101 | CIGNA GROUP INSURANCE | $7K | — | $7K | 11.79% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING | PO BOX 62949 ATTN DIRECT BILL DIV 250 VIRGINIA BEACH, VA 23466 | CIGNA GROUP INSURANCE | — | $1K | $1K | 1.94% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $29 | — | $29 | 0.11% |
| ASSUREDPARTNERS3 | 1325 4TH AVE STE 2100 SEATTLE, WA 981012572 | VISION SERVICE PLAN | -$4 | — | -$4 | -0.02% |
| ASSUREDPARTNERS3 | 1325 FOURTH AVENUE STE 2100 SEATTLE, WA 98101 | CIGNA GROUP INSURANCE | $399 | — | $399 | 12.64% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING | PO BOX 62949 ATTN DIRECT BILL DIV 250 VIRGINIA BEACH, VA 23466 | CIGNA GROUP INSURANCE | — | $71 | $71 | 2.25% |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 185 | $261K |
| Vision | VISION SERVICE PLAN | 218 | $26K |
| Life insurance | CIGNA GROUP INSURANCE | 329 | $60K |
| Long-term disability | CIGNA GROUP INSURANCE | 329 | $62K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 291 | $640K |
| Other | CIGNA GROUP INSURANCE | 329 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.