| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MADDOCK & ASSOCIATES LLC3 | 1407 WILLOW RD E SUITE C FIFE, WA 98424 | PREMERA BLUE CROSS | $29K | $957 | $30K | 5.17% |
| MADDOCK & ASSOCIATES LLC3 | 1407 WILLOW RD E SUITE C FIFE, WA 98424 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $506 | $7K | 7.69% |
| CONNEXION INSURANCE SOLUTIONS Filed as: CONNEXION INSURANCE SOLUTINOS INC | 7001 220TH ST SW MOUNTLAKE TERRACE, WA 98043 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.43% |
| TRUE NETWORK ADVISORS3 | 1513 AMBER LANE GUNDERSVILLE, AL 35976 | PRINCIPAL LIFE INSURANCE COMPANY | — | $246 | $246 | 0.26% |
| WHITFIELDS UNITED INSURANCE AGENCY3 Filed as: WHITFIELDS UNITED IN AGENCIES INC | 2121 70TH AVE W STE B UNIVERSITY PLACE, WA 98466 | PRINCIPAL LIFE INSURANCE COMPANY | $12 | — | $12 | 0.01% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 75 | $572K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 114 | $93K |
| Vision(2 contracts, 2 carriers) | PREMERA BLUE CROSS | 114 | $666K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 114 | $93K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 114 | $93K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 114 | $93K |
| Prescription drug | PREMERA BLUE CROSS | 75 | $572K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 114 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.