| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $688 | — | $688 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 3018 BOTHELL, WA 98041 | UNITED HEALTHCARE INSURANCE COMPANY | $72 | $176 | $248 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF WASHINGTON | $5K | — | $5K | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 N CAUSEWAY BLVD SUITE 200 METARIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $439 | $439 | 2.24% |
| CONOVER INSURANCE SERVICES LLC3 | 3911 CASTLEVALE RD, SUITE 201 YAKIMA, WA 98902 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $236 | — | $236 | 1.20% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 2734 NORTH MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $24 | $24 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $739 | $111 | $850 | 10.89% |
| CONOVER INSURANCE SERVICES LLC3 | 3911 CASTLEVALE RD, SUITE 201 YAKIMA, WA 98902 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42 | — | $42 | 0.54% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 2734 NORTH MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6 | $6 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $932 | — | $932 | 12.35% |
| CONOVER INSURANCE SERVICES LLC3 | 3911 CASTLEVALE RD, SUITE 201 YAKIMA, WA 98902 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12 | — | $12 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $604 | $82 | $686 | 11.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 N CAUSEWAY BLVD SUITE 200 METARIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $138 | $138 | 2.26% |
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE SVCS LLC | 3911 CASTLEVALE RD, SUITE 201 YAKIMA, WA 98902 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $69 | — | $69 | 1.13% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 2734 NORTH MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9 | $9 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $353 | $48 | $401 | 11.55% |
| CONOVER INSURANCE SERVICES LLC3 | 3911 CASTLEVALE RD, SUITE 201 YAKIMA, WA 98902 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29 | — | $29 | 0.84% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 2734 NORTH MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4 | $4 | 0.12% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 180 | $1.0M |
| Dental | DELTA DENTAL OF WASHINGTON | 122 | $92K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 180 | $1.0M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 134 | $14K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $3K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 134 | $20K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 180 | $1.0M |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 134 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.