| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.98% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $73 | $73 | 0.06% |
| IMA, INC.3 | 1705 17TH STREET DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $449 | $449 | 0.97% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $38 | $38 | 0.08% |
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 | 711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 521 | $362K |
| Vision | VISION SERVICE PLAN | 438 | $73K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $165K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $119K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.