| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERNATIVE RISK SOLUTIONS LLC3 Filed as: ALTERNATIVE RISK SOLUTIONS, LLC | 250 BEL MARIN KEYS BLVD, STE G-3 NOVATO, CA 94949 | THE UNION LABOR LIFE INSURANCE COMPANY | $46K | — | $46K | 7.00% |
| DOUGLAS A WOHLMAN INC.4 | 11320 NORTHEAST 103RD STREET KIRKLAND, WA 98033 | THE UNION LABOR LIFE INSURANCE COMPANY | — | $20K | $20K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELFARE & PENSION ADMIN SVC, INC. EIN 91-1363171 NONE | Direct payment from the plan; Claims processing; Plan Administrator Service code 12 | — | $324K |
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Direct payment from the plan; Other services Service code 49 | — | $186K |
| INNOVATIVE CARE MANAGEMENT, INC. EIN 93-1087669 NONE | Insurance services; Direct payment from the plan; Other services Service code 23 | — | $38K |
| TRUVERIS, INC., NONE | Consulting (general); Direct payment from the plan Service code 16 | 2 PARK AVENUE, SUITE 1500 NEW YORK, NY 10116 | $37K |
| INNOVATIVE COST MGMT SERVICES, INC. EIN 77-0119752 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $35K |
| LAW OFFICE OF RICHARD A. EKMAN, PS EIN 91-1321138 NONE | Legal; Direct payment from the plan Service code 29 | — | $33K |
| ENVISIONRXOPTIONS EIN 90-1011712 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $32K |
| WASHINGTON CAPITAL MANAGEMENT, INC. EIN 91-1042342 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $20K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $13K |
| BANK OF AMERICA NONE | Direct payment from the plan; Custodial (other than securities) Service code 18 | 525 SOUTH JACKSON STREET SEATTLE, WA 98104 | $12K |
| LINDQUUIST, LLP EIN 52-2385296 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
| CHANGE HEALTHCARE NONE | Other services; Direct payment from the plan Service code 49 | 3055 LEBANON PIKE NASHVILLE, TN 37214 | $9K |
| U.S. BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Direct payment from the plan; Custodial (other than securities); Custodial (securities) Service code 18 | — | $7K |
| NORTH AMERICAN PRINTING NONE | Other services; Direct payment from the plan Service code 49 | 389 EAST PALM LANE PHOENIX, AZ 85004 | $6K |
| THE LAW OFFICES OF ROBERT A. BOHRER EIN 46-3183400 NONE | Legal; Direct payment from the plan Service code 29 | — | $5K |
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 | 602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 643 | $49K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 644 | $17K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 648 | $652K |
| Other | LIFEMAP ASSURANCE COMPANY | 644 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 648 | — |
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.