| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK INC | 2233 112TH AVE NE BELLEVUE, WA 980042936 | LIFEWISE ASSURANCE COMPANY | — | $8K | $8K | 2.80% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK | 2233 112TH AVE NE BELLEVUE, WA 98004 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $32 | $1K | 14.14% |
| CONNEXION INSURANCE SOLUTIONS3 | P.O. BOX 34315 SEATTLE, WA 98124 | METROPOLITAN LIFE INSURANCE COMPANY | $483 | $140 | $623 | 5.95% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK | 2233 112TH AVE NE BELLEVUE, WA 98004 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $429 | — | $429 | 4.97% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LIFEWISE ASSURANCE COMPANY | 99 | $278K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 98 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 90 | $10K |
| Prescription drug | LIFEWISE ASSURANCE COMPANY | 99 | $278K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 90 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.