| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 3018 BOTHELL, WA 98041 | UNITED HEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 90007 BELLEVUE, WA 98009 | DELTA DENTAL OF WASHINGTON | $4K | — | $4K | 4.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF WASHINGTON | $779 | — | $779 | 0.90% |
| CONOVER INSURANCE SERVICES LLC3 | 3911 CASTLEVALE RD, SUITE 201 YAKIMA, WA 98902 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 2734 NORTH MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $175 | $175 | 1.41% |
| CONOVER INSURANCE SERVICES LLC3 | 3911 CASTLEVALE RD, SUITE 201 YAKIMA, WA 98902 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $408 | — | $408 | 10.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 2734 NORTH MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $62 | $62 | 1.52% |
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE SVCS LLC | 3911 CASTLEVALE RD, SUITE 201 YAKIMA, WA 98902 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $391 | — | $391 | 10.99% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 2734 NORTH MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $53 | $53 | 1.49% |
| CONOVER INSURANCE SERVICES LLC3 | 3911 CASTLEVALE RD, SUITE 201 YAKIMA, WA 98902 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $217 | — | $217 | 11.02% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 2734 NORTH MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $30 | $30 | 1.52% |
| CONOVER INSURANCE SERVICES LLC3 | 3911 CASTLEVALE RD, SUITE 201 YAKIMA, WA 98902 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $190 | — | $190 | 12.53% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 182 | $865K |
| Dental | DELTA DENTAL OF WASHINGTON | 120 | $87K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 182 | $847K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $8K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 27 | $2K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $12K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 182 | $865K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.