| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | PREMERA BLUE CROSS | $20K | $5K | $25K | 3.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | DELTA DENTAL OF WASHINGTON | $5K | $0 | $5K | 4.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 17.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $520 | $520 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.06% |
| UNKNOWN3 | UNKNOWN BREMERTON, WA 98312 | FIRST CHOICE HEALTH NETWORK | $1K | $0 | $1K | 11.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 8TH FLOOR ITASCA, IL 60143 | USABLE LIFE | $2K | $0 | $2K | 20.00% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE | PO BOX 34315 SEATTLE, WA 98124 | USABLE LIFE | $940 | $0 | $940 | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $635 | $0 | $635 | 14.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $159 | $630 | $789 | 20.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $784 | $0 | $784 | 20.78% |
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 | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 58 | $657K |
| Dental | DELTA DENTAL OF WASHINGTON | 235 | $108K |
| Vision | VISION SERVICE PLAN | 147 | $21K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $53K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 59 | $4K |
| Prescription drug | PREMERA BLUE CROSS | 58 | $657K |
| Other(3 contracts, 3 carriers) | FIRST CHOICE HEALTH NETWORK | 502 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.