| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAEL & LETSON3 | 419 OCCIDENTAL AVE S STE 304 SEATTLE, WA 98104 | PRINCIPAL LIFE INSURANCE CO. | $2K | $259 | $2K | 7.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWEST ADMINISTRATORS, INC. EIN 91-0680697 NONE | Accounting (including auditing); Investment management; Investment management fees paid directly by plan; Direct payment from the plan; Contract Administrator Service code 10 | — | $11.0M |
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $4.6M |
| DELTA DENTAL OF WASHINGTON EIN 91-0621480 NONE | Direct payment from the plan; Claims processing; Insurance services Service code 12 | — | $957K |
| MEDIMPACT HEALTHCARE SYSTEMS EIN 33-0567651 NONE | Direct payment from the plan; Claims processing; Other services Service code 12 | — | $940K |
| KAISER FOUNDATION HEALTH PLAN OF WA EIN 91-1467158 NONE | Claims processing; Plan Administrator; Direct payment from the plan Service code 12 | — | $712K |
| RAEL & LETSON EIN 94-1701048 NONE | Insurance brokerage commissions and fees; Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $178K |
| ADVANTRIA EIN 26-0320808 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $121K |
| REID, MCCARTHEY, BALLEW, & LEAHY EIN 91-0749971 NONE | Legal; Direct payment from the plan Service code 29 | — | $90K |
| WASHINGTON HEALTH ALLIANCE EIN 47-0948895 NONE | Other fees; Direct payment from the plan Service code 50 | — | $75K |
| MEDICAL REVIEW INSTITUTE OF AMERICA EIN 87-0515201 NONE | Other services; Direct payment from the plan Service code 49 | — | $73K |
| SERVICE PRINTING CO. EIN 91-0830372 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $69K |
| AUKEMA & ASSOCIATES EIN 20-2023367 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $61K |
| WELLS FARGO BANK, N.A. EIN 94-1347393 NONE | Direct payment from the plan; Other services Service code 49 | — | $51K |
| K&H PRINTERS LITHOGRAPHERS EIN 91-0531929 NONE | Direct payment from the plan; Copying and duplicating; Other services Service code 36 | — | $47K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $40K |
| KAYE SMITH ENTERPRISES EIN 93-0523003 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $38K |
| SEYFARTH & SHAW LLP EIN 36-2152202 NONE | Legal; Direct payment from the plan Service code 29 | — | $30K |
| ALAN D. BILLER & ASSOCIATES EIN 94-2854958 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $23K |
| CAPITOL CITY PRESS EIN 91-1068832 NONE | Copying and duplicating; Other services; Direct payment from the plan Service code 36 | — | $22K |
| STATE STREET BANK EIN 04-1867445 NONE | Float revenue; Custodial (securities); Other fees; Direct payment from the plan; Trustee (directed) Service code 19 | — | $18K |
| OPTUM INSIGHT EIN 41-1858498 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $11K |
| WILMINGTON TRUST, NA EIN 16-1486454 NONE | Custodial (securities); Trustee (bank, trust company, or similar financial institution); Soft dollars commissions; Float revenue; Direct payment from the plan Service code 19 | — | $7K |
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 | 18,254 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 18,254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE CO. | 33,194 | $728K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,194 | — |
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.