| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STONEBRAKER MCQUARY AGENCY GROUP IN3 Filed as: STONEBRAKER MCQUARY | PO BOX 9 CLARKSTON, WA 99403 | PREMERA BLUE CROSS | $31K | $5K | $36K | 2.30% |
| STONEBRAKER MCQUARY AGENCY GROUP IN3 Filed as: STONEBRAKER MCQUARRY AGENCY | 616 5TH STREET CLARKSTON, WA 99403 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $23 | $8K | 9.19% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC. | 7001 220TH ST SW #320 MOUNTLAKE TERRACE, WA 98043 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $22 | $3K | 4.10% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC. | PO BOX 34315 SEATTLE, WA 98124 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.72% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 164 | $1.5M |
| Dental | PREMERA BLUE CROSS | 164 | $1.5M |
| Vision | PREMERA BLUE CROSS | 164 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 545 | $82K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 545 | $82K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 545 | $82K |
| Prescription drug | PREMERA BLUE CROSS | 164 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 545 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.