| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST COAST INSURANCE SVCS INC3 Filed as: WEST COAST INS. SERVICES INC | PO BOX 189 VANCOUVER, WA 98666 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 4.58% |
| HEALTHCARE MANAGEMENT ADMINISTRATOR3 | 220 120TH AVE NE BELLEVUE, WA 98005 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 1.47% |
| UMR, INC.3 | 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.50% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Float revenue; Direct payment from the plan; Claims processing; Other fees Service code 12 | — | $563K |
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 544021087 | $114K |
| WEST COAST INSURANCE SERVICES INC EIN 91-1428405 BROKER | Other commissions Service code 55 | 916 MAIN STREET VANCOUVER, WA 98660 | $7K |
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 | 295 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 293 | $437K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 293 | $437K |
| Prescription drug | SUN LIFE ASSURANCE COMPANY OF CANADA | 293 | $437K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 293 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.