| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | REGENCE BLUESHIELD | $127K | $10K | $137K | 4.01% |
| JENNIFER COSTEA3 | PO BOX 743094 LOS ANGELES, CA 90074 | REGENCE BLUESHIELD | $31K | $0 | $31K | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | DELTA DENTAL OF WASHINGTON | $15K | $0 | $15K | 5.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $8K | $36K | 22.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.98% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 4200 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $437 | $27 | $464 | 15.92% |
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 | 307 | 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. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 495 | $3.4M |
| Dental | DELTA DENTAL OF WASHINGTON | 548 | $298K |
| Vision | VISION SERVICE PLAN | 292 | $38K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 307 | $160K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 307 | $160K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 307 | $160K |
| Prescription drug | REGENCE BLUESHIELD | 495 | $3.4M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 307 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.