| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 501 N RIVERPOINT BLVD STE 403 SPOKANE, WA 99202 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 26.41% |
| PAYNEWENT INSURANCE3 | 501 N RIVERPOINT BLVD STE 403 SPOKANE, WA 992021649 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $25 | $2K | 15.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 30638 BILLINGS, MT 591070638 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $899 | $899 | 5.46% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $817 | $16 | $833 | 5.06% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $137 | $137 | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 390 BRADLEY BOULEVARD RICHLAND, WA 99352 | AETNA LIFE INSURANCE COMPANY | $44K | $772K | $816K | — |
| EXCELSIOR YOUTH CENTER3 | 3754 W INDIAN TRAIL RD SPOKANE, WA 992084736 | VISION SERVICE PLAN | $13K | $0 | $13K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 390 BRADLEY BOULEVARD RICHLAND, WA 99352 | DELTA DENTAL | $16K | $0 | $16K | — |
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 | 160 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 114 | $0 |
| Dental | DELTA DENTAL | 116 | $0 |
| Vision | VISION SERVICE PLAN | 116 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 192 | $16K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 192 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
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.