| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS WEST INC3 | 19707 44TH AVE WEST STE 201 LYNNWOOD, WA 98036 | UNIMERICA INSURANCE COMPANY | $72K | $0 | $72K | 15.00% |
| HEALTHCARE MANAGEMENT ADMINISTRATOR5 | PO BOX 85008 BELLEVUE, WA 98015 | UNIMERICA INSURANCE COMPANY | $12K | $0 | $12K | 2.50% |
| BENEFITS WEST INC3 | 19707 44TH AVE WEST STE 201 LYNNWOOD, WA 98036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 9.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE MANAGMENT ADMINISTRATORS EIN 91-1333840 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 10700 NORTHRUP WAY #100 BELLEVUE, WA 98004 | $255K |
| BENEFITS WEST INC EIN 91-2152589 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 19707 44TH AVE WEST STE 201 LYNNWOOD, WA 98036 | $55K |
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 | 494 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 565 | $266K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 565 | $266K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 565 | $266K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 493 | $477K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 565 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.