| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE INC. | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $20K | — | $20K | 8.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 470 PARK AVE., SOUTH NEW YORK, NY 10016 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 2.27% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.78% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE INC. | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $11K | — | $11K | 5.40% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | DELTA DENTAL OF WASHINGTON | $5K | — | $5K | 2.35% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE INC. | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | VISION SERVICE PLAN | $992 | — | $992 | 3.98% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $262 | — | $262 | 1.05% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 207 | $199K |
| Vision | VISION SERVICE PLAN | 204 | $25K |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 207 | $231K |
| Short-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 207 | $231K |
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 207 | $231K |
| Other | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 207 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.