| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMP | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | DELTA DENTAL OF WASHINGTON | $28K | — | $28K | 18.27% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $85 | $2K | 5.89% |
| VALORIE L STRICKLAND3 | 1437 CIMARRON PL RICHLAND, WA 99352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $792 | — | $792 | 2.63% |
| CHRISTOPHER ROBERT BERRY3 | 27108 162ND ST SE MONROE, WA 98272 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 0.66% |
| SCOTT FENTON3 | 1183 MANZANITA DR. PACIFICA, CA 94044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $94 | $195 | 0.65% |
| LAURIE C BERRY3 Filed as: LAURIE BERRY | 19308 CROWN RIDGE BLVD. ARLINGTON, WA 98223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.45% |
| RICH IN BENEFITS INC3 Filed as: RICH IN BENEFITS INC. | 13109 NE 123RD ST., APT. P240 KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.34% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVENUE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.17% |
| RYAN G YOUNG3 | 801 N NURSERY RD IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.12% |
| CHRISTINE LYNN MORGESTER3 | 14913 S SUNTERRA LOOP OREGON CITY, OR 97045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.12% |
| TERESA FELLER3 | 3405 172ND STREET NE, #5 ARLINGTON, WA 98223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.08% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.07% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP INC. | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.06% |
| JESSICA LOREE GROW3 | 10 S VANCOUVER ST KENNEWICK, WA 99336 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| BERT KERR3 | PO BOX 5075 BENTON CITY, WA 99320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| DALE WITWER3 | 4106 STURDEE LANE PASCO, WA 99301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| SUSAN MAE DANIEL3 Filed as: SUSAN LEACH | 4419 NE 131ST PL., APT. C1 PORTLAND, OR 97230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 401 UNION ST, 31ST FL SEATTLE, WA 98101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $411 | $411 | 1.67% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | PO BOX 62949 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $380 | $380 | 2.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 401 UNION ST. 31ST FL SEATTLE, WA 98101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $133 | $133 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 390 BRADLEY BOULEVARD RICHLAND, WA 99352 | CINCINNATI LIFE INSURANCE COMPANY | $126 | — | $126 | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 390 BRADLEY BOULEVARD RICHLAND, WA 99352 | CINCINNATI LIFE INSURANCE COMPANY | $29 | — | $29 | 1.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 6 DEGREES RBP FEE; PATIENT DEFENSE | Other services Service code 49 | 3439 NE SANDY BLVD. SUITE 384 PORTLAND, OR 97232 | $58K |
| HEALTHCOMP EIN 36-4197088 PLAN ADMINISTRATOR | Contract Administrator Service code 13 | 18861 90TH AVENUE SUITE A MOKENA, IL 60448 | $55K |
| 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 | $10K |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 211 | $153K |
| Vision | VISION SERVICE PLAN | 195 | $19K |
| Life insurance(2 contracts) | CINCINNATI LIFE INSURANCE COMPANY | 2 | $8K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 28 | $30K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $25K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 50 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
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.