| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMP | 601 UNION ST., SUITE 1000 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 17.80% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 10.95% |
| VALORIE L STRICKLAND3 | 1437 CIMARRON PL RICHLAND, WA 99352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $392 | — | $392 | 1.36% |
| CHRISTOPHER ROBERT BERRY3 | 27108 162ND ST SE MONROE, WA 98272 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | — | $264 | 0.92% |
| LAURIE C BERRY3 Filed as: LAURIE BERRY | 19308 CROWN RIDGE BLVD. ARLINGTON, WA 98223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | — | $264 | 0.92% |
| SCOTT FENTON3 | 1183 MANZANITA DR. PACIFICA, CA 94044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $169 | $178 | 0.62% |
| RICH IN BENEFITS INC3 Filed as: RICH IN BENEFITS INC. | 13109 NE 123RD ST., APT. P240 KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 0.41% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVENUE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.19% |
| RYAN G YOUNG3 | 801 N NURSERY RD IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.14% |
| CHRISTINE LYNN MORGESTER3 | 14913 S SUNTERRA LOOP OREGON CITY, OR 97045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.13% |
| TERESA FELLER3 | 3405 172ND STREET NE, #5 ARLINGTON, WA 98223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.10% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.10% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP INC. | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.07% |
| JESSICA LOREE GROW3 | 10 S VANCOUVER ST KENNEWICK, WA 99336 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| BERT KERR3 | PO BOX 5075 BENTON CITY, WA 99320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| SUSAN MAE DANIEL3 Filed as: SUSAN LEACH | 4419 NE 131ST PL., APT. C1 PORTLAND, OR 97230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| DALE WITWER3 | 4106 STURDEE LANE PASCO, WA 99301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 390 BRADLEY BOULEVARD RICHLAND, WA 99352 | CINCINNATI LIFE INSURANCE COMPANY | $125 | — | $125 | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 390 BRADLEY BOULEVARD RICHLAND, WA 99352 | CINCINNATI LIFE INSURANCE COMPANY | $13 | — | $13 | 2.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 6 DEGREES RBP FEE; PATIENT DEFENSE | Other services Service code 49 | 3439 NE SANDY BLVD. SUITE 384 PORTLAND, OR 97232 | $59K |
| HEALTHCOMP EIN 36-4197088 PLAN ADMINISTRATOR | Contract Administrator Service code 13 | 18861 90TH AVENUE SUITE A MOKENA, IL 60448 | $58K |
| USI BENEFIT CONSULTANT | Consulting (general) Service code 16 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | $18K |
| COSTCO PBM | Other services Service code 49 | PO BOX 34718 SEATTLE, WA 98124 | $11K |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 200 | $157K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 200 | $157K |
| Life insurance(2 contracts) | CINCINNATI LIFE INSURANCE COMPANY | 2 | $7K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 22 | $29K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $22K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 22 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.