| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENSLER LLC3 Filed as: BENSLER LLC-DBA SOUND CONSULTING | 1750 112TH AVE. NE - SUITE D253 BELLEVUE, WA 98004 | USABLE LIFE | $2K | — | $2K | 14.73% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC. | PO BOX 34315 SEATTLE, WA 98124 | USABLE LIFE | $1K | — | $1K | 10.31% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS, INC. | PO BOX 34315 SEATTLE, WA 98124 | USABLE LIFE | $469 | — | $469 | 8.00% |
| BENSLER LLC3 Filed as: BENSLER LLC - DBA SOUND CONSULTING | 200 112TH AVE NE-SUITE 205 BELLEVUE, WA 98004 | USABLE LIFE | $368 | — | $368 | 6.28% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC. | PO BOX 34315 SEATTLE, WA 98124 | USABLE LIFE | $297 | — | $297 | 7.99% |
| BENSLER LLC3 Filed as: BENSLER, LLC - DBA SOUND CONSULTING | 200 112TH AVE NE-SUITE 205 BELLEVUE, WA 98004 | USABLE LIFE | $233 | — | $233 | 6.27% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 113 | $4K |
| Short-term disability | USABLE LIFE | 113 | $6K |
| Long-term disability | USABLE LIFE | 113 | $14K |
| Other | USABLE LIFE | 113 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.