| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| METCALF FINANCIAL SERVICES INC3 | 16114 E INDIANA AVE STE 220 SPOKANE VALLEY, WA 99216 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.08% |
| METCALF FINANCIAL SERVICES INC3 | 16114 E INDIANA AVE STE 220 SPOKANE VALLEY, WA 99216 | DELTA DENTAL OF WASHINGTON | $6K | — | $6K | 5.01% |
| METCALF FINANCIAL SERVICES INC3 | 16114 E INDIANA AVE STE 220 SPOKANE VALLEY, WA 99216 | STANDARD INSURANCE COMPANY | $805 | — | $805 | 0.83% |
| METCALF FINANCIAL SERVICES INC3 | 16114 E INDIANA AVE STE 220 SPOKANE VALLEY, WA 99216 | VSP VISION CARE | $998 | — | $998 | 5.38% |
| MICHAEL N. METCALF3 | 16114 E. INDIANA AVE. SUITE 220 SPOKANE VALLEY, WA 99216 | UNUM INSURANCE COMPANY | $720 | — | $720 | 4.77% |
| MICHAEL N. METCALF3 | 16114 E. INDIANA AVE. SUITE 220 SPOKANE VALLEY, WA 99216 | UNUM INSURANCE COMPANY | $378 | — | $378 | 2.80% |
| MICHAEL N. METCALF3 | 16114 E. INDIANA AVE. SUITE 220 SPOKANE VALLEY, WA 99216 | UNUM INSURANCE COMPANY | $767 | — | $767 | 9.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PINNACLE PEAK CONSULTING EIN 45-3763152 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $106K |
| THE LOOMIS COMPANY EIN 23-2238132 3RD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | 850 N. PARK ROAD P.O. BOX 7011 WYOMISSING, PA 19610 | $57K |
| MICHAEL METCALF BROKER | Insurance agents and brokers Service code 22 | 16114 E. INDIANA AVE. SUITE 220 SPOKANE VALLEY, WA 99216 | $24K |
| PAYNEWEST INSURANCE INC. EIN 81-0479558 BROKER | Insurance agents and brokers Service code 22 | — | $24K |
| CIGNA HEALTH & LIFE INSURANCE EIN 59-1031071 CLAIMS PROCESSING | Claims processing Service code 12 | — | $15K |
| HINES & ASSOCIATES CLAIMS PROCESSING | Claims processing Service code 12 | 115 E. HIGHLAND AVE. ELGIN, IL 60120 | $7K |
| ZELIS CLAIMS INTEGRITY INC. CLAIMS PROCESSOR | Claims processing Service code 12 | 149 NEWBURY STREET 5TH FLOOR BOSTON, MA 02116 | $6K |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 173 | $124K |
| Vision | VSP VISION CARE | 148 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 585 | $97K |
| Long-term disability | STANDARD INSURANCE COMPANY | 585 | $195K |
| Other(3 contracts) | UNUM INSURANCE COMPANY | 98 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.