| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PACIFIC CASCADE ADVISORS INC3 Filed as: PACIFIC CASCADE ADVISORS | 2401 WEST MAIN STREET, SUITE 108 BATTLE GROUND, WA 98604 | PRINCIPAL LIFE INSURANCE COMPANY | $32K | $5K | $37K | 5.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC CASCADE AD. EIN 91-1843783 ADMIN | Claims processing Service code 12 | — | $186K |
| C.A.S. EIN 91-1991574 ADMIN | Claims processing Service code 12 | — | $126K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $71K |
| FIRST CHOICE EIN 91-1272766 ADMIN | Claims processing Service code 12 | — | $36K |
| ICM EIN 93-1087669 ADMIN | Claims processing Service code 12 | — | $24K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $5K |
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 | 453 | 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) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,304 | $633K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,304 | $633K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 453 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,304 | — |
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.