| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP SOLUTIONS NORTHWEST, LLC3 Filed as: GROUP SOLUTIONS NORTHWEST | 8460 BENOTHO PLACE MERCER ISLAND, WA 98040 | PREMERA BLUE CROSS | $115K | $2K | $117K | 2.64% |
| GROUP SOLUTIONS NORTHWEST, LLC3 Filed as: GROUP SOLUTIONS NORTHWEST | 8460 BENOTHO PLACE MERCER ISLAND, WA 98040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | — | $33K | 15.00% |
| GROUP SOLUTIONS NORTHWEST, LLC3 Filed as: GROUP SOLUTIONS NORTHWEST | 8460 BENOTHO PLACE MERCER ISLAND, WA 98040 | VISION SERVICE PLAN | $2K | — | $2K | 3.86% |
| GROUP SOLUTIONS NORTHWEST, LLC3 Filed as: GROUP SOLUTIONS NORTHWEST | 8460 BENOTHO PLACE MERCER ISLAND, WA 98040 | WILLAMETTE DENTAL GROUP OF WASHINGTON, INC. | $2K | — | $2K | 8.00% |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 244 | $4.4M |
| Dental(2 contracts, 2 carriers) | PREMERA BLUE CROSS | 244 | $4.4M |
| Vision | VISION SERVICE PLAN | 264 | $46K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $220K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $220K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $220K |
| Prescription drug | PREMERA BLUE CROSS | 244 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.