| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMEDY INSURANCE SERVICES3 | 315 MONTGOMERY ST STE 900 SAN FRANCISCO, CA 94104 | RELIASTAR LIFE INSURANCE COMPANY | $105K | — | $105K | 6.87% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE #100 TACOMA, WA 98402 | RELIASTAR LIFE INSURANCE COMPANY | $82K | — | $82K | 5.37% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | $7K | $12K | 11.40% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | — | $3K | $3K | 3.19% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $940 | $3K | 15.88% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | — | $470 | $470 | 2.94% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | $518 | $2K | 21.38% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | — | $259 | $259 | 3.19% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE CO | $181 | $71 | $252 | 20.88% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | — | $36 | $36 | 2.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWEST ADMINISTRATORS INC EIN 91-0680697 NONE | Investment management; Direct payment from the plan; Contract Administrator Service code 13 | — | $413K |
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $202K |
| INNOVATIVE CARE MANAGEMENT EIN 93-1087669 NONE | Other services; Insurance services; Direct payment from the plan Service code 23 | — | $57K |
| AON CONSULTING EIN 22-2232264 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $51K |
| DAVIS WRIGHT TREMAINE LLP NONE | Legal; Direct payment from the plan Service code 29 | 920 FIFTH AVE STE 3300 SEATTLE, WA 98104 | $30K |
| BARLOW COUGHRAN MORALES & JOSEPHSON EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $27K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Consulting (general); Insurance services; Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 16 | — | $23K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $19K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Direct payment from the plan; Other services Service code 49 | — | $14K |
| HEALTHCARE ACTUARIES EIN 20-5718833 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $12K |
| TRUSTEE 01 TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 2323 EASTLAKE AVE E SEATTLE, WA 98102 | $7K |
| SERVICE PRINTING CO., INC. NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 3837 13TH AVE W STE 106 SEATTLE, WA 98119 | $6K |
| VERUS INVESTMENTS NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 800 FIFTH AVE STE 3900 SEATTLE, WA 98104 | $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 | 952 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 103 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA | 128 | $634K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 644 | $125K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 663 | $2.6M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 644 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.