| 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. | $47K | — | $47K | 3.80% |
| TRUEBENEFITS LLC3 | 1215 4TH AVENUE, SUITE 2200 SEATTLE, WA 98161 | DELTA DENTAL OF WASHINGTON | $5K | — | $5K | 5.48% |
| TRUEBENEFITS LLC3 Filed as: TRUEBENEFITS | 1215 4TH AVE, SUITE 2200 SEATTLE, WA 98161 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| 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, 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 | — | $645 | $645 | 4.00% |
| TRUEBENEFITS LLC3 | 1215 4TH AVENUE, SUITE 2200 SEATTLE, WA 98161 | VISION SERVICE PLAN | $827 | — | $827 | 7.67% |
| TRUEBENEFITS LLC3 Filed as: TRUEBENEFITS | 1215 4TH AVE, SUITE 2200 SEATTLE, WA 98161 | WELLSPRING FAMILY SERVICES | — | $14K | $14K | — |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 187 | $1.2M |
| Dental | DELTA DENTAL OF WASHINGTON | 216 | $95K |
| Vision | VISION SERVICE PLAN | 164 | $11K |
| Life insurance | LINCOLN NATION LIFE INSURANCE COMPANY | 219 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $25K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 187 | $1.2M |
| Other(2 contracts, 2 carriers) | LINCOLN NATION LIFE INSURANCE COMPANY | 219 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.