| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.5 | P.O. BOX 860689 MINNEAPOLIS, MN 55486 | HCC LIFE INSURANCE COMPANY | — | $5K | $5K | 1.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON LLC | P.O. BOX 847 REDMOND, WA 98073 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.46% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON LLC | 1325 4TH AVE. STE 2100 SEATTLE, WA 98101 | VISION SERVICE PLAN | $2K | — | $2K | 4.13% |
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 | 867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 512 | $40K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 867 | $247K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 867 | $247K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 867 | $247K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 568 | $518K |
| Other | HARTFORD LIFE AND ACCIDENT | 867 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 867 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.