| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| METCALF FINANCIAL SERVICES INC3 | 16114 E INDIANA AVE STE 220 SPOKANE VALLEY, WA 99216 | DELTA DENTAL OF WASHINGTON | $6K | — | $6K | 5.06% |
| METCALF FINANCIAL SERVICES INC3 | 16114 E INDIANA AVE STE 220 SPOKANE VALLEY, WA 99216 | DELTA DENTAL OF WASHINGTON | $2K | — | $2K | 10.00% |
| METCALF FINANCIAL SERVICES INC3 | 16114 E INDIANA AVE STE 220 SPOKANE VALLEY, WA 99216 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 13.73% |
| MICHAEL N. METCALF3 | 16114 E. INDIANA AVE. SUITE 220 SPOKANE VALLEY, WA 99216 | UNUM INSURANCE COMPANY | $468 | — | $468 | 4.61% |
| MICHAEL N. METCALF3 | 16114 E. INDIANA AVE. SUITE 220 SPOKANE VALLEY, WA 99216 | UNUM INSURANCE COMPANY | $237 | — | $237 | 2.78% |
| MICHAEL N. METCALF3 | 16114 E. INDIANA AVE. SUITE 220 SPOKANE VALLEY, WA 99216 | UNUM INSURANCE COMPANY | $661 | — | $661 | 9.24% |
| METCALF FINANCIAL SERVICES INC3 | 16114 E INDIANA AVE STE 220 SPOKANE VALLEY, WA 99216 | STANDARD INSURANCE COMPANY | $707 | — | $707 | 10.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PINNACLE PEAK CONSULTING EIN 45-3763152 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $94K |
| 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 | $64K |
| 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 | — | $16K |
| HINES & ASSOCIATES CLAIMS PROCESSING | Claims processing Service code 12 | 115 E. HIGHLAND AVE. ELGIN, IL 60120 | $5K |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 151 | $115K |
| Vision | DELTA DENTAL OF WASHINGTON | 153 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 37 | $7K |
| Long-term disability | STANDARD INSURANCE COMPANY | 37 | $12K |
| Other(3 contracts) | UNUM INSURANCE COMPANY | 65 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
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.