| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WA | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN, INC. | $11K | — | $11K | 5.10% |
| ASSUREDPARTNERS3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $5K | $43K | 24.55% |
| ASSUREDPARTNERS3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $4K | $32K | 25.39% |
| ASSUREDPARTNERS3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 11.14% |
| ASSUREDPARTNERS3 | 1325 4TH AVE., STE. 2100 SEATTE, WA 98101 | VISION SERVICE PLAN | $2K | — | $2K | 3.08% |
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 | 554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 17 | $224K |
| Vision | VISION SERVICE PLAN | 446 | $76K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 554 | $286K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 554 | $109K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $125K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 17 | $224K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 437 | $963K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 554 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.