| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 390 BRADLEY BOULEVARD RICHLAND, WA 99352 | VIMLY BENEFIT SOLUTIONS | $70K | $0 | $70K | 5.77% |
| JOSH MARTIN3 | 3754 W INDIAN TRL RD SPOKANE, WA 99208 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $27K | $0 | $27K | 4.51% |
| JOSH MARTIN3 | 3754 W INDIAN TRL RD SPOKANE, WA 99208 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $22K | $0 | $22K | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 30638 BILLINGS, MT 591070638 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 5.00% |
| EXCELSIOR YOUTH CENTER3 | 3754 W INDIAN TRAIL RD SPOKANE, WA 992084736 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.22% |
| JOSH MARTIN3 | 3754 W INDIAN TRL RD SPOKANE, WA 99208 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 2925 PALMER ST STE B MISSOULA, MT 59806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $606 | $0 | $606 | 15.00% |
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 | 81 | 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) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | VIMLY BENEFIT SOLUTIONS | 138 | $2.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $102K |
| Vision | VISION SERVICE PLAN | 133 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $4K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.