| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1325 4TH AVE SUITE 2100 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $17K | $17K | 2.05% |
| HEALTHCARE MANAGEMENT ADMINISTRATOR5 Filed as: HEALTHCARE MANAGEMENT ADMIN | 10700 NORTHUP WAY STE. 100 BELLEVUE, WA 98004 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $11K | $11K | 1.36% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N. PARK DR. STE. 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.32% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WA | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 5.64% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $234K |
| Vision | VISION SERVICE PLAN | 258 | $27K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 323 | $138K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 323 | $138K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 299 | $813K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 323 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.