| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MATTECHECK | — | PROVIDENCE HEALTH PLAN | $53K | — | $53K | 3.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL LIFE | $5K | $817 | $6K | 5.84% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $179 | $179 | 0.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL LIFE | $2K | $216 | $3K | 16.34% |
| NFO INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $44 | $44 | 0.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL LIFE | $2K | $117 | $2K | 15.84% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $27 | $27 | 0.19% |
| MATTECHECK & ASSOCIATES3 | — | VISION SERVICE PLAN | $753 | — | $753 | 7.67% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMP | — | VISION SERVICE PLAN | -$1 | — | -$1 | -0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL LIFE | $1K | $200 | $2K | 17.09% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $30 | $30 | 0.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL LIFE | $1K | $128 | $1K | 16.61% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $26 | $26 | 0.33% |
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 | 139 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 321 | $1.6M |
| Dental | LINCOLN NATIONAL LIFE | 130 | $98K |
| Vision | VISION SERVICE PLAN | 129 | $10K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE | 138 | $22K |
| Short-term disability | LINCOLN NATIONAL LIFE | 138 | $10K |
| Long-term disability | LINCOLN NATIONAL LIFE | 106 | $16K |
| Prescription drug | PROVIDENCE HEALTH PLAN | 321 | $1.6M |
| Other(2 contracts) | LINCOLN NATIONAL LIFE | 138 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.