| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY AND O'NEILL LIFE INC. | 818 WEST RIVERSIDE AVE., STE. 800 SPOKANE, WA 99201 | DELTA DENTAL OF WASHINGTON | $6K | — | $6K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | P.O. BOX 3144 SPOKANE, WA 98220 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 8.00% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY AND O'NEILL LIFE INC. | 818 WEST RIVERSIDE AVE., STE. 800 SPOKANE, WA 99201 | VISION SERVICE PLAN | $1K | — | $1K | 4.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WASHINGTON EIN 91-0621480 ADMIN. SVC. PROVIDER | Contract Administrator Service code 13 | 400 FAIRVIEW AVE 800 SEATTLE, WA 98109 | $26K |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 450 | $242K |
| Vision | VISION SERVICE PLAN | 181 | $31K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 278 | $158K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 278 | $158K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 278 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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."
No prospect flags tripped on this filing.