| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA, | 601 UNION STREET, SUITE 1300 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $864 | — | $864 | 0.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE ST, STE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51 | — | $51 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES USA EIN 56-1882208 NONE | Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Consulting fees; Direct payment from the plan; Finders' fees / placement fees; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 15 | — | $1.3M |
| BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Accounting (including auditing); Recordkeeping fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Participant communication; Contract Administrator Service code 10 | — | $579K |
| ARMFIELD HARRISON & THOMAS TECH EIN 54-0654623 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $215K |
| DAVIS, WRIGHT, TREMAINE, LLP EIN 91-0839480 NONE | Legal; Direct payment from the plan; Consulting (general) Service code 16 | — | $142K |
| DIGITAL INSURANCE, INC. EIN 58-2522668 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $99K |
| CONOVER INSURANCE EIN 91-1953703 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $82K |
| BROWN & BROWN OF WASHINGTON, INC. EIN 91-0378940 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $80K |
| HEALTH INSURANCE TEAM EIN 45-1565934 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $72K |
| MCM EIN 91-0851882 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $62K |
| KIBBLE & PRENTICE EIN 91-1176315 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $60K |
| PARKER SMITH & FEEK EIN 91-0660018 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $53K |
| GHB INSURANCE, INC. EIN 91-0639776 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $52K |
| JOHN B. SCATES TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 320 HERON LANE FRIDAY HARBOR, WA 98250 | $50K |
| R.L. EVANS COMPANY, INC. EIN 91-0849784 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $48K |
| BENEFITS CONSULTING SERVICES, LLC NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 2088 ISSAQUAH, WA 98027 | $39K |
| PUGET SOUND BENEFIT SERVICES, INC. EIN 46-3291059 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $34K |
| EMSPRING EIN 91-1856974 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $30K |
| MOLLY LANZINGER NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 4630 95TH AVE NE BELLEVUE, WA 98004 | $25K |
| THE VITOLO COMPANY EIN 91-2032673 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $24K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $20K |
| BASIN PACIFIC INSURANCE AGENCY EIN 27-1158624 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $20K |
| ALBERS & COMPANY EIN 91-1289320 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $19K |
| ARTHUR J. GALLAGHER & CO. EIN 36-4291971 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $19K |
| PSG WASHINGTON, INC. NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 387 EVERETT, WA 98206 | $19K |
| TRUTINA FINANCIAL NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 10811 MAIN STREET BELLEVUE, WA 98004 | $18K |
| PAYCHEX INSURANCE AGENCY, INC. EIN 16-1528391 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $17K |
| SCHOEDEL & SCHOEDEL CPAS, PLLC EIN 91-0614823 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| LEAVITT GROUP BENEFITS NW NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 6050 TACOMA MALL BLVD TACOMA, WA 98409 | $15K |
| MORAN BENEFIT ADVISORS, INC. NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 9631 N NEVADA ST, STE 309 SPOKANE, WA 99218 | $14K |
| GUS PAINE INSURANCE BENEFIT SERVICE EIN 91-1292656 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $14K |
| MADDOCK & ASSOCIATES EIN 91-1280409 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $14K |
| LOCKTON COMPANIES NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 2100 ROSS AVE, SUITE 1200 DALLAS, TX 75201 | $13K |
| TRUE BENEFITS, LLC INC EIN 91-2034415 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $13K |
| BELL-ANDERSON AGENCY, INC. EIN 91-0756278 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $13K |
| PRO BENEFITS OF WASHINGTON, LLC EIN 27-5039273 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $11K |
| SPRINGER BENEFITS, LLC EIN 87-0771186 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $9K |
| THE MAHONEY GROUP, INC. EIN 86-6050329 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $8K |
| BENSLER, LLC DBA SOUND CONS SERV EIN 71-1004774 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $8K |
| CENTURY OAK INSURANCE SERVICES EIN 27-4383098 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $8K |
| RAPPORT BENEFITS GROUP EIN 20-5703005 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $7K |
| CLF, LIMITED EIN 91-1196875 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $7K |
| JEFF HOLMAN INSURANCE, INC. NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | P.O. BOX 1226 CHEHALIS, WA 98532 | $6K |
| REDMOND GENERAL INSURANCE AGENCY EIN 91-0840484 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $5K |
| B & F INSURANCE NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 2212 QUEEN ANNE AVE N 502 SEATTLE, WA 98109 | $5K |
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 | 3,934 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,934 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PREMERA BLUE CROSS | 1,892 | $26.4M |
| Dental | DELTA DENTAL OF WASHINGTON | 4,196 | $1.7M |
| Vision | VISION SERVICE PLAN | 2,202 | $237K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,996 | $189K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,996 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,196 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.