| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 1325 4TH AVE., STE. 2100 SEATTLE, WA 98101 | REGENCE BLUE SHIELD | $53K | $5K | $58K | 4.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 1325 4TH AVE., STE. 2100 SEATTLE, WA 98101 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.16% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 1325 4TH AVE., STE. 2100 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $2K | — | $2K | 4.62% |
| ASSUREDPARTNERS3 | 1325 4TH AVE., STE. 2100 SEATTLE, WA 98101 | VISION SERVICE PLAN | $811 | — | $811 | 7.40% |
| EMPLOYEE NAVIGATOR, LLC5 | 7979 OLD GEORGETOWN RD. STE. 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $50 | — | $50 | 0.46% |
| ASSUREDPARTNERS3 | 1325 4TH AVE SUITE 2100 SEATTLE, WA 98101 | FIRST CHOICE EAP | $557 | — | $557 | 9.62% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUE SHIELD | 105 | $1.4M |
| Dental | DELTA DENTAL OF WASHINGTON | 101 | $49K |
| Vision | VISION SERVICE PLAN | 95 | $11K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 197 | $73K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 197 | $73K |
| Prescription drug | REGENCE BLUE SHIELD | 105 | $1.4M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 232 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.