| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 14.95% |
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVE NE STE 110 SEATTLE, WA 98115 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 5.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.31% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE | PO BOX 743979 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.81% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $215 | $215 | 0.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SF | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF WASHINGTON | $4K | — | $4K | 4.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC SF | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF WASHINGTON | $433 | — | $433 | 0.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC SF | 29840 NETWORK PLACE CHICAGO, IL 606731298 | DELTA DENTAL OF WASHINGTON | $3K | — | $3K | 4.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC SF | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF WASHINGTON | $358 | — | $358 | 0.47% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $1K | — | $1K | 5.29% |
| G SCOTT COOKE3 Filed as: SCOTT PETERSON | 21926 43RD DR SE BOTHELL, WA 98021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | — | $245 | 4.23% |
| RICH IN BENEFITS INC3 | 13109 NE 123RD ST KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 1.12% |
| ROBERT WILLIAM PLATTE3 | 15221 227TH AVE NE WOODINVILLE, WA 98077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.88% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 Filed as: DOUGLAS EDWARD VIESELMEYER | 14405 115TH AVENUE CT E PUYALLUP, WA 98374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.54% |
| CARYL ESTES3 | 15907 ASH WAY UNIT C609 LYNWOOD, WA 98087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.38% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF WASHINGTON | 152 | $175K |
| Vision | VISION SERVICE PLAN | 127 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 180 | $128K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 180 | $128K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 180 | $128K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 180 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.