| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUBRASKI & ASSOCIATES INS. SVCS.3 Filed as: DUBRASKI AND ASSOC. INS. SVCS., LLC | 11622 EL CAMINO REAL, SUITE 100 SAN DIEGO, CA 92130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $595K | — | $595K | 9.03% |
| STOP LOSS INSURANCE SERVICES, INC.3 | 100 FRONT STREET WORCESTER, MA 01608 | RELIASTAR LIFE INSURANCE COMPANY | $125K | $68K | $193K | 7.72% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | REGENCE BLUESHIELD | $48K | $8K | $56K | 5.38% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | VISION SERVICE PLAN | $786 | — | $786 | 7.14% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $138 | — | $138 | 15.00% |
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 | 13,047 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 180 | $1.0M |
| Vision(2 contracts) | VISION SERVICE PLAN | 2,237 | $195K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 15,456 | $6.6M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 15,456 | $6.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 15,456 | $6.6M |
| Prescription drug | REGENCE BLUESHIELD | 180 | $1.0M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 17,811 | $2.8M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 15,456 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,811 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.