| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $38K | — | $38K | 24.49% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARDSCRABBLE ROAD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 3.13% |
| TOTAL BENEFIT SOLUTIONS3 | 3911 CASTLEVALE ROAD, SUITE 105 YAKIMA, WA 98902 | VISION SERVICE PLAN | $2K | — | $2K | 10.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $2K | — | $2K | 6.58% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK | 2233 112TH AVENUE, NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $787 | — | $787 | 3.44% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRINCIPAL LIFE INSURANCE COMPANY | $977 | — | $977 | 13.22% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK INSURANCE | 2233 112TH AVENUE, NE BELLEVUE, WA 98004 | PRINCIPAL LIFE INSURANCE COMPANY | $372 | $198 | $570 | 7.71% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC | 9725 3RD AVENUE NE, SUITE 110 SEATTLE, WA 98115 | PRINCIPAL LIFE INSURANCE COMPANY | $337 | — | $337 | 4.56% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $412 | $55 | $467 | 10.89% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK | 2233 112TH AVENUE, NE BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $231 | $35 | $266 | 6.20% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $224 | $30 | $254 | 11.36% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE, NE BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $112 | $17 | $129 | 5.77% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PREMERA BCBS | — | $41K | $41K | — |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK INSURANCE LLC | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | PREMERA BCBS | — | $23K | $23K | — |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $10K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 189 | $32K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 218 | $166K |
| Short-term disability | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 125 | $155K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 125 | $157K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 136 | $3K |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 242 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.