| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE SERVICES | PO BOX 10088 YAKIMA, WA 98909 | PREMERA BLUE CROSS | $33K | $2K | $36K | 3.21% |
| CONOVER INSURANCE SERVICES LLC Filed as: CONOVER INSURANCE SVCS LLC | PO BOX 10088 YAKIMA, WA 98909 | DELTA DENTAL | $3K | — | $3K | 5.01% |
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE SVCS LLC | PO BOX 10088 YAKIMA, WA 98909 | VISION SERVICE PLAN | $829 | — | $829 | 6.77% |
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE SVCS LLC | PO BOX 10088 YAKIMA, WA 98909 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $477 | $36 | $513 | 10.75% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 103 | $1.1M |
| Dental | DELTA DENTAL | 107 | $69K |
| Vision | VISION SERVICE PLAN | 103 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $5K |
| Prescription drug | PREMERA BLUE CROSS | 103 | $1.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.