| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $124K | $83K | $206K | 9.99% |
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVE NE STE 110 SEATTLE, WA 98115 | HARTFORD LIFE AND ACCIDENT | — | $81K | $81K | 3.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 0.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 401 UNION ST STE 3100 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $23K | $82K | $105K | 6.79% |
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVE NE #110 SEATTLE, WA 98115 | SYMETRA LIFE INSURANCE COMPANY | $62K | — | $62K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FLR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | — | $56K | $56K | 3.64% |
| 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 | $156K | — | $156K | 25.03% |
| 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 | 1.54% |
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 | 2,997 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 162 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 125 | $1.8M |
| Dental | PREMERA BLUE CROSS | 125 | $1.8M |
| Vision | PREMERA BLUE CROSS | 125 | $1.8M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 3,150 | $1.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,738 | $2.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,738 | $2.1M |
| Prescription drug | PREMERA BLUE CROSS | 125 | $1.8M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,150 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,738 | — |
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.