| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVE NE STE 110 SEATTLE, WA 98115 | HARTFORD LIFE AND ACCIDENT | — | $304K | $304K | 15.22% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $81K | $33K | $114K | 5.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $39K | $27K | $66K | 3.32% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH ST SW MS320 MOUNTLAKE TERRACE, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $60K | — | $60K | 4.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 2850 GOLF RD 5TH FLR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $9K | $49K | $58K | 4.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 818 WEST RIVERSIDE STE 800 SPOKANE, WA 99201 | SYMETRA LIFE INSURANCE COMPANY | $13K | — | $13K | 0.96% |
| LIFE AND HEALTH UNDERWRITERS, INC.3 Filed as: LIFE & HEALTH UNDERWRITERS INC. | THE GUARDIAN LIFE INS CO OF AMERICA 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $101K | — | $101K | 17.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 1.75% |
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 | 3,383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 161 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 56 | $637K |
| Dental | PREMERA BLUE CROSS | 56 | $637K |
| Vision | PREMERA BLUE CROSS | 56 | $637K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 3,586 | $1.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,150 | $2.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,150 | $2.0M |
| Prescription drug | PREMERA BLUE CROSS | 56 | $637K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,586 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,150 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.