| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUEBENEFITS LLC3 Filed as: TRUEBENEFITS, LLC | 1215 4TH AVENUE, SUITE 2200 SEATTLE, WA 98161 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 0.14% |
| TRUEBENEFITS LLC3 Filed as: TRUEBENEFITS, LLC | 1325 4TH AVENUE, SUITE 1900 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 2.98% |
| WILLIAM JUDGE JR3 Filed as: WILLIAM JUDGE | 32 GREAT OAK ROAD CARTERSVILLE, VA 23027 | TRUSTMARK INSURANCE COMPANY | $6K | $0 | $6K | 9.93% |
| TRUEBENEFITS LLC3 Filed as: TRUEBENEFITS, LLC | 601 UNION STREET, SUITE 3400 SEATTLE, WA 98101 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 4.96% |
| TIPPETT MOORHEAD AND HADEN3 | 3200 PARK CENTER DRIVE, SUITE 550 COSTA MESA, CA 92626 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 4.96% |
No Schedule C service providers reported on this filing.
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 202 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 26 | $3K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 483 | $504K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 483 | $441K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 483 | $441K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 202 | $1.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 483 | $504K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.