| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY BENEFITS GROUP LLC3 Filed as: LIBERTY BENEFITS GROUP | 4100 194TH STREET SW, SUITE 380 LYNNWOOD, WA 98036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.88% |
| JENIFER A. SAPEL3 | 20021 120TH AVENUE NE BOTHELL, WA 98011 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $69 | $0 | $69 | 0.08% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS, LLC. | 333 INDIAN TRAIL BOULEVARD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.01% |
| LIBERTY BENEFITS GROUP LLC3 Filed as: LIBERTY BENEFITS GROUP | 4100 194TH STREET SW, SUITE 380 LYNNWOOD, WA 98036 | USABLE LIFE | $479 | $0 | $479 | 10.01% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS, INC. | PO BOX 34315 SEATTLE, WA 98124 | USABLE LIFE | $383 | $0 | $383 | 8.00% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $84K |
| Vision | VISION SERVICE PLAN | 144 | $11K |
| Life insurance | USABLE LIFE | 149 | $5K |
| Other | USABLE LIFE | 149 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.