| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 390 BRADLEY BLVD RICHLAND, WA 99352 | PREMERA BLUE CROSS | $16K | $3K | $19K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE FINANCIAL GROUP, INC. | PO BOX 30638 BILLINGS, MT 59107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 7.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 501 NORTH RIVERPOINT BOULEVARD SUITE 403 SPOKANE, WA 99202 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $32 | $13K | 6.71% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC | 7001 220TH STREET SOUTHWEST SUITE 320 MOUNTLAKE TERRACE, WA 98043 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $18 | $8K | 4.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE COMPANY | 2925 PALMER ST STE B MISSOULA, MT 598081658 | VISION SERVICE PLAN | $843 | — | $843 | 6.69% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 134 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 531 | $187K |
| Vision | VISION SERVICE PLAN | 135 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 531 | $187K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 531 | $187K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 531 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.