| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 390 BRADLEY BLVD. RICHLAND, WA 99352 | UNITED HEALTHCARE INSURANCE COMPANY | $322K | $2K | $324K | 5.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | PO BOX 4386 MISSOULA, MT 59806 | USABLE LIFE | $33K | — | $33K | 12.65% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC. | PO BOX 34315 SEATTLE, WA 98124 | USABLE LIFE | $7K | — | $7K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 2925 PALMER ST. STE B MISSOULA, MT 59808 | VISION SERVICE PLAN | $3K | — | $3K | 2.45% |
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 | 2,178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 65 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 2,665 | $6.4M |
| Dental | DELTA DENTAL OF WASHINGTON | 1,490 | $448K |
| Vision | VISION SERVICE PLAN | 2,665 | $113K |
| Life insurance | USABLE LIFE | 802 | $264K |
| Short-term disability | USABLE LIFE | 802 | $264K |
| Long-term disability | USABLE LIFE | 802 | $264K |
| Other | USABLE LIFE | 802 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,665 | — |
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.
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.