| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCDONALD INSURANCE GROUP, INC3 | PO BOX 3089 KIRKLAND, WA 98083 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $4K | $0 | $4K | 3.92% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | HARTFORD LIFE AND ACCIDENT | $0 | $872 | $872 | 1.14% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $478 | $2K | $2K | 4.60% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | PO BOX 6824 GRAND RAPIDS, MI 49516 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34 | $0 | $34 | 0.07% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | DELTA DENTAL OF WASHINGTON | $1K | $0 | $1K | 5.00% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.61% |
| MCDONALD INSURANCE GROUP, INC3 | PO BOX 3089 KIRKLAND, WA 98083 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $1K | $0 | $1K | 6.22% |
| TOTAL BENEFITS SOLUTIONS LLC3 | 155 108TH AVE NE STE 800 BELLEVUE, WA 98033 | VISION SERVICE PLAN | $303 | $0 | $303 | 9.85% |
| MCDONALD INSURANCE GROUP, INC3 Filed as: MCDONALD INSURANCE GROUP | PO BOX 3089 KIRKLAND, WA 98083 | VISION SERVICE PLAN | $263 | $0 | $263 | 8.55% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | VISION SERVICE PLAN | $39 | $0 | $39 | 1.27% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 10 | $116K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 22 | $48K |
| Vision(2 contracts) | VISION SERVICE PLAN | 98 | $22K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $48K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 156 | $76K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 156 | $76K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.