| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHCARE MANAGEMENT ADMINISTRATOR3 | 10700 NORTHUP WAY STE 100 BELLEVUE, WA 98004 | SUN LIFE OF CANADA | — | $15K | $15K | 2.48% |
| R.L. EVANS COMPANY, INC.3 Filed as: R.L. EVANS COMPANY | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98006 | SUN LIFE OF CANADA | $12K | — | $12K | 2.00% |
| R.L. EVANS COMPANY, INC.3 | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| R.L. EVANS COMPANY, INC.3 | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| R.L. EVANS COMPANY, INC.3 Filed as: R. L. EVANS COMPANY, INC. | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98006 | FIRST CHOICE HEALTH EAP | $1K | — | $1K | 10.12% |
| R.L. EVANS COMPANY, INC.3 | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $621 | — | $621 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE OF CANADA EIN 38-1082080 INSURANCE SERVICES | Insurance services Service code 23 | — | $604K |
| HEALTHCARE MANAGEMENT ADMIN. EIN 91-1333840 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $107K |
| R.L. EVANS COMPANY EIN 91-0849754 BROKER | Insurance agents and brokers Service code 22 | — | $26K |
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 | 184 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 99 | $29K |
| Stop-loss / reinsurancereinsurance | SUN LIFE OF CANADA | 181 | $604K |
| Other(2 contracts, 2 carriers) | FIRST CHOICE HEALTH EAP | 642 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.