| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMEDY INSURANCE SERVICES3 Filed as: INTERREMEDY INSURANCE SERVICES LLC | 315 MONTGOMERY STREET, SUITE 900 SAN FRANCISCO, CA 94104 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $16K | $16K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELFARE AND PENSION ADMIN SVCS, INC EIN 91-1363171 PARTICIPATING EMPLOYER | Claims processing; Other services; Plan Administrator; Direct payment from the plan; Contract Administrator Service code 12 | — | $256K |
| PREMERA EIN 91-0499247 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $65K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Insurance services; Direct payment from the plan; Consulting (general); Insurance brokerage commissions and fees; Insurance agents and brokers Service code 16 | — | $44K |
| WASHINGTON DENTAL SERVICE EIN 91-0621480 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $42K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| BARLOW COUGHRAN MORALES JOSEPHSON EIN 91-0889948 PARTICIPATING EMPLOYER | Legal; Direct payment from the plan Service code 29 | — | $22K |
| WASHINGTON CAPITAL MANAGEMENT EIN 91-1042342 NONE | Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $19K |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 111 | $859K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 306 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $26K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $329K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 306 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.