| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 Filed as: THE BENEFITS GROUP LLC | 601 E. 22ND STREET VANCOUVER, WA 98663 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $16K | $249 | $16K | 2.77% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP LLC | PARK TOWER ONE 201 SE PARK PLAZA DRIVE, SUITE 204 VANCOUVER, WA 98684 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $4K | — | $4K | 4.59% |
| SINGLETON NW LLC3 | 19703 SE 26TH WAY CAMAS, WA 986078820 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.58% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP LLC | 601 E 22ND STREET VANCOUVER, WA 986633208 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.79% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP LLC | 601 EAST 22ND STREET VANCOUVER, WA 98663 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.60% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 104 | $681K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $68K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 47 | $10K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 47 | $10K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 47 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
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.