| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 3.64% |
| JAMEY MILLER INC3 Filed as: JAMEY J. MILLER | 12942 193RD AVENUE EAST BONNEY LAKE, WA 98391 | AFLAC | $91 | $0 | $91 | 5.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | AFLAC | $47 | $0 | $47 | 2.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | 2106 PACIFIC AVENUE, SUITE 501 TACOMA, WA 98402 | AFLAC | $42 | $0 | $42 | 2.59% |
| NORTHWEST BENEFIT ADVISORS, INC.3 | 11811 NE 1ST STREET, SUITE 302 BELLEVUE, WA 98005 | AFLAC | $35 | $0 | $35 | 2.16% |
| MARY L. JOCHUM3 Filed as: MARY L. JOCHUM AND OTHER AGENTS | 17901 123RD COURT SE RENTON, WA 98058 | AFLAC | $20 | $0 | $20 | 1.23% |
| DAVID ROJAS3 | 169 EAGLE RIDGE DRIVE EAST PUYALLUP, WA 98374 | AFLAC | $18 | $0 | $18 | 1.11% |
| BROOKE BACHESTA3 | 8151 164TH AVENUE NE, SUITE 711 REDMOND, WA 98052 | AFLAC | $15 | $0 | $15 | 0.93% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $594K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $594K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $594K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $594K |
| Short-term disability | AFLAC | 11 | $2K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $594K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $595K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.