| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 601 UNION STREET, SUITE 1300 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $809 | — | $809 | 0.59% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 601 UNION STREET, SUITE 1300 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $671 | — | $671 | 1.23% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 601 UNION STREET, SUITE 1300 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $379 | — | $379 | 1.14% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 601 UNION STREET, SUITE 1300 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $101 | — | $101 | 0.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE ST, STE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WA, INC. | 2106 PACIFIC AVE, STE 501 TACOMA, WA 98402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.01% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES USA EIN 56-1882208 NONE | Finders' fees / placement fees; Consulting fees; Insurance agents and brokers; Insurance brokerage commissions and fees; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Consulting (general) Service code 15 | — | $805K |
| BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Recordkeeping fees; Accounting (including auditing); Copying and duplicating; Participant communication Service code 10 | — | $382K |
| ARMFIELD HARRISON & THOMAS TECH EIN 54-0654623 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $190K |
| ABD INSURANCE & FINANCIAL SERVICES, EIN 27-0673528 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance brokerage commissions and fees; Finders' fees / placement fees; Insurance services; Insurance agents and brokers; Consulting (general); Consulting fees; Direct payment from the plan Service code 15 | — | $119K |
| DAVIS, WRIGHT, TREMAINE, LLP EIN 91-0839480 NONE | Legal; Direct payment from the plan; Consulting (general) Service code 16 | — | $110K |
| DIGITAL INSURANCE, INC. EIN 58-2522668 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $78K |
| HEALTH INSURANCE TEAM EIN 45-1565934 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $60K |
| R.L. EVANS COMPANY, INC. EIN 91-0849784 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $55K |
| KIBBLE & PRENTICE HOLDING COMPANY EIN 91-1176315 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $47K |
| GHB INSURANCE, INC. EIN 91-0639776 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $43K |
| JOHN B. SCATES TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 320 HERON LANE FRIDAY HARBOR, WA 98250 | $35K |
| J FRANKLAND EMPLOYEE BENEFITS SERV EIN 46-3291059 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $31K |
| HUB INTERNATIONAL NW, LLC EIN 91-2036015 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $28K |
| COORDINATED BENEFITS DBA BASIN PACI EIN 27-1158624 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $24K |
| RAPPORT BENEFITS GROUP EIN 20-5703005 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $24K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $23K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $22K |
| TRUTINA FINANCIAL EIN 47-0995939 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $21K |
| ALBERS & COMPANY, INC. EIN 91-1289320 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $20K |
| SCHOEDEL & SCHOEDEL CPAS, PLLC EIN 91-0614823 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $18K |
| CONOVER INSURANCE SERVICES, LLC EIN 91-1953703 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $18K |
| COLIN F. SAMUELSON II DBA CFS PLANN NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2032 160TH ST SW LYNNWOOD, WA 980872501 | $17K |
| PARKER SMITH & FEEK EIN 91-0660018 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $16K |
| PSG WASHINGTON, INC. NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | P.O. BOX 387 EVERETT, WA 982060387 | $14K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $14K |
| THE MAHONEY GROUP, INC. EIN 86-6050329 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $13K |
| SERVCO INSURANCE SERVICES DBA EIN 27-3175453 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $13K |
| MADDOCK & ASSOCIATES EIN 91-1280409 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $13K |
| BENEFITS CONSULTING SERVICES, LLC NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | P.O. BOX 2088 ISSAQUAH, WA 980270093 | $12K |
| PRO BENEFITS OF WASHINGTON, LLC EIN 27-5039273 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $12K |
| SOUND BENEFIT SERVICES, INC. EIN 91-1686043 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $12K |
| CUMMINGS, FRASER & ASSOCIATES, LLC EIN 68-0609841 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $12K |
| 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 | — | $11K |
| STILLWATER BENEFITS, LLC EIN 47-4944052 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $10K |
| PREFERRED FINANCIAL SOLUTIONS, LLC EIN 26-4442439 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $9K |
| COSKER GROUP & ASSOCIATES, LLC DBA EIN 20-5881242 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $9K |
| THE VITOLO COMPANY EIN 91-2032673 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $7K |
| MCM EIN 91-0851882 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $7K |
| B & F INSURANCE EIN 35-2384961 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $7K |
| RICE INSURANCE, LLC EIN 91-1746907 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $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 | 5,091 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PREMERA BLUE CROSS | 1,430 | $17.7M |
| Dental | DELTA DENTAL OF WASHINGTON | 2,226 | $1.6M |
| Vision | VISION SERVICE PLAN | 1,646 | $195K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 338 | $151K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $55K |
| Prescription drug | PREMERA BLUE CROSS | 1,430 | $12.6M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,242 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,242 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.