| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEGGY MICHAEL REDDY3 | PO BOX 2088 ISSAQUAH, WA 98027 | DELTA DENTAL OF WASHINGTON | $104K | — | $104K | 3.79% |
| WELLS FARGO INSURANCE SERVICES3 | 1300 SW 5TH AVENUE, SUITE 500 PORTLAND, OR 97201 | DELTA DENTAL OF WASHINGTON | $11K | — | $11K | 0.42% |
| PEGGY MICHAEL REDDY3 | PO BOX 2088 ISSAQUAH, WA 98027 | LIFE INSURANCE COMPANY OF AMERICA | $256K | $61K | $317K | 11.58% |
| PEGGY MICHAEL REDDY3 | PO BOX 2088 ISSAQUAH, WA 98027 | GROUP HEALTH COOPERATIVE | $4K | — | $4K | 2.20% |
| WELLS FARGO INSURANCE SERVICES3 | 1300 SW 5TH AVENUE, SUITE 500 PORTLAND, OR 97201 | GROUP HEALTH COOPERATIVE | $1K | — | $1K | 0.70% |
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 | 2,356 | 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) | 2,356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH | 37 | $341K |
| Dental | DELTA DENTAL OF WASHINGTON | 6,651 | $2.8M |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 2,356 | $2.7M |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 2,356 | $2.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 2,356 | $2.7M |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENT HEALTH | 37 | $341K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 2,356 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,651 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.