| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 5.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $15K | $15K | 3.37% |
| HEALTHCARE MANAGEMENT ADMINISTRATOR5 Filed as: HEALTHCARE MGMT. ADMINISTRATORS | 10700 NORTHUP WAY STE. 100 BELLEVUE, WA 98004 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 1.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 9.88% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 43.20% |
| AP DESIGN PROFESSIONALS INS. SVCS.3 | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $335 | $335 | 1.33% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | VISION SERVICE PLAN | $1K | — | $1K | 7.07% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | P.O. BOX 62949 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $5 | — | $5 | 0.03% |
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 | 407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $25K |
| Vision | VISION SERVICE PLAN | 207 | $20K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 407 | $52K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 236 | $439K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 407 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.