| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | — | PROVIDENCE HEALTH PLAN | $45K | — | $45K | 2.76% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | — | LINCOLN NATIONAL LIFE | $5K | — | $5K | 4.63% |
| USI INSURANCE SERVICES LLC3 | — | LINCOLN NATIONAL LIFE | — | $3K | $3K | 3.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL LIFE | $408 | — | $408 | 0.37% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | — | LINCOLN NATIONAL LIFE | $2K | — | $2K | 13.37% |
| USI INSURANCE SERVICES LLC3 | — | LINCOLN NATIONAL LIFE | — | $426 | $426 | 2.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL LIFE | $235 | — | $235 | 1.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | — | VISION SERVICE PLAN | $592 | — | $592 | 5.66% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | — | LINCOLN NATIONAL LIFE | $1K | — | $1K | 13.84% |
| USI INSURANCE SERVICES LLC3 | — | LINCOLN NATIONAL LIFE | — | $512 | $512 | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL LIFE | $119 | — | $119 | 1.17% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | — | LINCOLN NATIONAL LIFE | $1K | — | $1K | 13.91% |
| USI INSURANCE SERVICES LLC3 | — | LINCOLN NATIONAL LIFE | — | $226 | $226 | 2.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE NW INC | — | LINCOLN NATIONAL LIFE | $92 | — | $92 | 1.10% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | — | LINCOLN NATIONAL LIFE | $949 | — | $949 | 13.36% |
| USI INSURANCE SERVICES LLC3 | — | LINCOLN NATIONAL LIFE | — | $242 | $242 | 3.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL LIFE | $116 | — | $116 | 1.63% |
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 | 138 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 369 | $1.6M |
| Dental | LINCOLN NATIONAL LIFE | 131 | $109K |
| Vision | VISION SERVICE PLAN | 137 | $10K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE | 136 | $15K |
| Short-term disability | LINCOLN NATIONAL LIFE | 136 | $10K |
| Long-term disability | LINCOLN NATIONAL LIFE | 111 | $14K |
| Prescription drug | PROVIDENCE HEALTH PLAN | 369 | $1.6M |
| Other(2 contracts) | LINCOLN NATIONAL LIFE | 136 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.