| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK | 2233 112TH AVENUE, NE BELLEVUE, WA 98004 | PREMERA BCBS | — | $39K | $39K | 4.31% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK | 2233 112TH AVENUE, NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| TRUEBENEFITS LLC3 | 1325 4TH AVENUE SEATTLE, WA 98004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $816 | — | $816 | 6.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES | 777 108TH AVENUE BELLEVUE, WA 98004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.75% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $36 | $36 | 0.31% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK | 2233 112TH AVENUE, NE BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $110 | $1K | 16.04% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK | 2233 112TH AVENUE, NE BELLEVUE, WA 98004 | PRINCIPAL LIFE INSURANCE COMPANY | $965 | $40 | $1K | 20.66% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 119 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 24 | $9K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 25 | $12K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 24 | $9K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | PREMERA BCBS | 118 | $901K |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 137 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
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.