| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAEL & LETSON3 | 999 THIRD AVE STE 1530 SEATTLE, WA 981044060 | PRINCIPAL LIFE INSURANCE CO. | $2K | $261 | $2K | 7.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWEST ADMINISTRATORS EIN 91-0680697 NONE | Contract Administrator; Accounting (including auditing); Investment management; Investment management fees paid directly by plan Service code 10 | — | $10.2M |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Participant communication; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $2.0M |
| DELTA DENTAL OF WASHINGTON EIN 91-0621480 NONE | Claims processing; Insurance services Service code 12 | — | $921K |
| MEDIMPACT HEALTHCARE SYSTEMS EIN 33-0567651 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $699K |
| GROUP HEALTH OPTIONS EIN 91-1467158 NONE | Plan Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $699K |
| MEDICAL REVIEW INSTITUTE OF AMERICA EIN 87-0515201 NONE | Consulting (general) Service code 16 | — | $145K |
| RAEL & LETSON EIN 94-1701048 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $139K |
| REID, MCCARTHEY, BALLEW, & LEAHY EIN 91-0749971 NONE | Legal Service code 29 | — | $95K |
| SERVICE PRINTING CO. EIN 91-0830372 NONE | Copying and duplicating Service code 36 | — | $82K |
| AUKEMA & ASSOCIATES EIN 20-2023367 NONE | Participant communication Service code 38 | — | $79K |
| WASHINGTON HEALTH ALLIANCE EIN 47-0948895 NONE | Other fees Service code 99 | — | $71K |
| K & H INTEGRATED PRINT SOLUTIONS EIN 91-0531929 NONE | Copying and duplicating Service code 36 | — | $71K |
| OPTUM NONE | Consulting (general) Service code 16 | 1021 WIND CROSS CT FRANKLIN, TN 37061 | $63K |
| WELLS FARGO INSURANCE SERVICES EIN 56-1882208 NONE | Insurance agents and brokers Service code 22 | — | $61K |
| SEYFARTH & SHAW LLP EIN 36-2152202 NONE | Legal Service code 29 | — | $48K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $38K |
| ALAN D. BILLER & ASSOCIATES EIN 94-2854958 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $24K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 NONE | Other fees; Direct payment from the plan Service code 50 | — | $19K |
| CAPITOL CITY PRESS EIN 91-1068832 NONE | Other services; Copying and duplicating Service code 36 | — | $14K |
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 | 19,191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 19,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE CO. | 31,607 | $760K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,607 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.