| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAEL & LETSON INSURANCE SERVICES3 | 16855 W BERNARDO DR STE 340 SAN DIEGO, CA 92127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $40K | $40K | 1.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $721K |
| A. W. REHN & ASSOCIATES EIN 91-1008626 NONE | Copying and duplicating; Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $500K |
| GREEN LIGHT NONE | Direct payment from the plan; Other services Service code 49 | 17015 N SCOTTSDALE RD STE 350 SCOTTSDALE, AZ 85255 | $104K |
| WASHINGTON TRUST BANK NONE | Direct payment from the plan; Custodial (securities) Service code 19 | 7815 N DIVISION ST SPOKANE, WA 99208 | $91K |
| DELTA DENTAL NONE | Claims processing; Direct payment from the plan Service code 12 | P.O BOX 75983 SEATTLE, WA 981750983 | $65K |
| RAEL & LETSON NONE | Consulting (pension); Direct payment from the plan Service code 17 | 419 OCCIDENTAL AVE S SEATTLE, WA 98104 | $56K |
| CAREOPERATIVE, LLC NONE | Claims processing; Direct payment from the plan Service code 12 | 5880 NOLENSVILLE PIKE SUITE 200 NASHVILLE, TN 37211 | $56K |
| TURNER, STOEVE & GAGLIARDI, PS EIN 91-1282506 NONE | Legal; Direct payment from the plan Service code 29 | — | $55K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $47K |
| PACIFIC HEALTH COALITION NONE | Direct payment from the plan; Other services Service code 49 | 111 WEST 16TH AVE SUITE 203 ANCHORAGE, AK 99501 | $39K |
| TELEDOC HEALTH, INC EIN 04-3705970 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $37K |
| WASHINGTON CAPITAL MANAGEMENT NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 1200 6TH AVE STE 700 SEATTLE, WA 98101 | $33K |
| CORELLIAN SOFTWARE, INC EIN 47-1372895 NONE | Consulting (pension); Direct payment from the plan Service code 17 | — | $31K |
| FIRST CHOICE HEALTH NONE | Direct payment from the plan; Other services Service code 49 | 221 N WALL ST #310 SPOKANE, WA 99201 | $31K |
| ADVANTRIA LLC NONE | Direct payment from the plan; Claims processing Service code 12 | 11301 SE 10TH ST V158 VANCOUVER, WA 98664 | $19K |
| VISION SERVICE PLAN EIN 23-7089668 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $16K |
| LIVONGO HEALTH INC NONE | Direct payment from the plan; Claims processing Service code 12 | 150 W EVELYN AVE, UNIT 150 MOUNATIN VIEW, CA 94041 | $15K |
| LAWTON PRINTING NONE | Other services; Direct payment from the plan Service code 49 | 411 E MISSION AVE SPOKANE, WA 99202 | $13K |
| VERUS EIN 91-1320111 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $11K |
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 | 2,072 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,088 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,088 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.