| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHCARE MANAGEMENT ADMINISTRATOR3 | 10700 NORTHUP WAY STE 100 BELLEVUE, WA 98004 | RELIASTAR LIFE INSURANCE COMPANY | — | $13K | $13K | 2.50% |
| R.L. EVANS COMPANY, INC.3 Filed as: R.L. EVANS COMPANY | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98006 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 2.10% |
| R.L. EVANS COMPANY, INC.3 | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| R.L. EVANS COMPANY, INC.3 | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 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 | $428 | — | $428 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VOYA FINANCIAL EIN 41-0451140 INSURANCE SERVICES | Insurance services Service code 23 | — | $511K |
| HEALTHCARE MANAGEMENT ADMIN. EIN 91-1333840 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $92K |
| R.L. EVANS COMPANY EIN 91-0849754 BROKER | Insurance agents and brokers Service code 22 | — | $22K |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $22K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 158 | $511K |
| Other(2 contracts, 2 carriers) | FIRST CHOICE HEALTH EAP | 650 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.