| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPRAGUE ISRAEL GILES, INC.3 Filed as: SPRAGUE, ISRAEL, GILES, INC | 1501 4TH AVE, STE 720 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS INC. | $54K | — | $54K | 3.88% |
| SPRAGUE ISRAEL GILES, INC.3 Filed as: SPRAGUE, ISRAEL, GILES INC. | 1501 4TH AVE, STE 730 SEATTLE, WA 98101 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 5.95% |
| SPRAGUE ISRAEL GILES, INC.3 Filed as: SPRAGUE, ISRAEL, GILES INC. | 1501 4TH AVE, STE 730 SEATTLE, WA 98101 | KAISER FOUNDATION PLAN OF WASHINGTON | $9K | — | $9K | 3.90% |
| SPRAGUE ISRAEL GILES, INC. Filed as: SPRAGUE, ISRAEL, GILES INC. | 1501 4TH AVE, STE 730 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $4K | $300 | $4K | 3.88% |
| SPRAGUE ISRAEL GILES, INC.3 Filed as: SPRAGUE, ISRAEL, GILES INC. | 1501 4TH AVE, STE 730 SEATTLE, WA 98101 | VISION SERVICE PLAN | $968 | — | $968 | 6.00% |
| SPRAGUE ISRAEL GILES, INC.3 Filed as: SPRAGUE, ISRAEL, GILES INC. | 1501 4TH AVE, STE 730 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN, INC. | $107 | — | $107 | 4.13% |
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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS INC. | 166 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $226K |
| Vision | VISION SERVICE PLAN | 171 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $226K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $226K |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS INC. | 166 | $1.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.