| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPRAGUE ISRAEL GILES, INC.3 | 1501 4TH AVENUE SUITE 730 SEATTLE, WA 98101 | REGENCE BLUESHIELD | $23K | $5K | $28K | 3.91% |
| SPRAGUE ISRAEL GILES, INC.3 | 1501 4TH AVENUE SUITE 730 SEATTLE, WA 98101 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.75% |
| SPRAGUE ISRAEL GILES, INC.3 Filed as: SPRAGUE ISREAL GILES, INC. | 1501 4TH AVENUE SUITE 730 SEATTLE, WA 98101 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 13.21% |
| SPRAGUE ISRAEL GILES, INC.3 | 1501 4TH AVENUE SUITE 730 SEATTLE, WA 98101 | VISION SERVICE PLAN | $754 | — | $754 | 7.73% |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 133 | $721K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $85K |
| Vision | VISION SERVICE PLAN | 133 | $10K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 133 | $61K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 133 | $61K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 133 | $61K |
| Other | WELLSPRING FAMILY SERVICES | 133 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.