| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUEBENEFITS LLC3 | 1215 4TH AVENUE, SUITE 2200 SEATTLE, WA 98161 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $42K | — | $42K | 3.70% |
| TRUEBENEFITS LLC3 | 1215 4TH AVENUE, SUITE 2200 SEATTLE, WA 98161 | DELTA DENTAL OF WASHINGTON | $5K | — | $5K | 4.60% |
| TRUEBENEFITS LLC3 Filed as: TRUEBENEFITS | 1215 4TH AVE, SUITE 2200 SEATTLE, WA 98161 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| TRUEBENEFITS LLC3 Filed as: TRUEBENEFITS | 1215 4TH AVE, SUITE 2200 SEATTLE, WA 98161 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $759 | $759 | 4.00% |
| TRUEBENEFITS LLC3 Filed as: TRUEBENEFITS, LLC | 1215 4TH AVENUE, SUITE 2200 SEATTLE, WA 98106 | LINCOLN NATION LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER | 6830 COCHRAN RD SOLON, OH 44139 | LINCOLN NATION LIFE INSURANCE COMPANY | — | $494 | $494 | 4.00% |
| TRUEBENEFITS LLC3 | 1215 4TH AVENUE, SUITE 2200 SEATTLE, WA 98161 | VISION SERVICE PLAN | $687 | — | $687 | 7.21% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 162 | $1.1M |
| Dental | DELTA DENTAL OF WASHINGTON | 194 | $112K |
| Vision | VISION SERVICE PLAN | 141 | $10K |
| Life insurance | LINCOLN NATION LIFE INSURANCE COMPANY | 195 | $12K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $29K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $19K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 162 | $1.1M |
| Other | LINCOLN NATION LIFE INSURANCE COMPANY | 195 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.