| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $4K | $37K | 16.76% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $758 | $8K | 16.61% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $608 | $6K | 16.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DWS HOLDINGS DBA PINNACLE PEAK ADM EIN 45-3763152 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.7M |
| S&S HEALTHCARE EIN 31-1418743 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $724K |
| DEDUCTIBLE REIMBURSEMENT COMPANY CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 148 KENNEWICK, WA 99338 | $203K |
| MARSH MCLENNAN BROKER | Insurance agents and brokers Service code 22 | 390 BRADLEY BLVD. RICHLAND, WA 99352 | $127K |
| VERDEGARD ADMINISTRATORS, LLC EIN 45-4411599 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $125K |
| MEMD EIN 71-0415188 TELEHEALTH PROVIDER | Insurance services Service code 23 | — | $53K |
| THE CICOTTE LAW FIRM, PLLC ERISA COMPLIANCE | Legal Service code 29 | 2804 SARAH CT. KENNEWICK, WA 99338 | $25K |
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 | 2,299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,246 | $741K |
| Vision | VISION SERVICE PLAN | 1,422 | $156K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,560 | $47K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,558 | $220K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 244 | $37K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,560 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,560 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.