| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $1K | — | $1K | 0.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 601 UNION STREET, SUITE 1300 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $225 | — | $225 | 0.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE, 21ST FL NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $185 | — | $185 | 0.07% |
| 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 | $141 | — | $141 | 0.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 601 UNION STREET, SUITE 1300 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 0.09% |
| 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 | $64 | — | $64 | 0.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE, 21ST FL NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 0.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 601 UNION STREET, SUITE 1300 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 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 | $75 | — | $75 | 0.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 601 UNION STREET, SUITE 1300 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABD INSURANCE & FINANCIAL SERVICES, EIN 27-0673528 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers; Consulting fees; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Finders' fees / placement fees Service code 15 | — | $753K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Direct payment from the plan; Participant communication; Recordkeeping fees; Contract Administrator; Accounting (including auditing) Service code 10 | — | $430K |
| ARMFIELD HARRISON & THOMAS TECH EIN 54-0654623 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $195K |
| DAVIS WRIGHT TREMAINE, LLP EIN 91-0839480 NONE | Consulting (general); Legal; Direct payment from the plan Service code 16 | — | $190K |
| DIGITAL INSURANCE, INC. EIN 58-2522668 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $160K |
| STILLWATER BENEFITS, LLC EIN 47-4944052 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $96K |
| HEALTH INSURANCE TEAM EIN 45-1565934 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $93K |
| USI INSURANCE SERVICES NATIONAL, IN NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALL, NY 10595 | $51K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $49K |
| 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 | — | $44K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $41K |
| KIBBLE & PRENTICE HOLDING COMPANY EIN 91-1176315 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $41K |
| JOHN B. SCATES TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 320 HERON LANE FRIDAY HARBOR, WA 98250 | $39K |
| TRUTINA FINANCIAL EIN 47-0995939 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $39K |
| J FRANKLAND EMPLOYEE BENEFITS SERV EIN 46-3291059 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $37K |
| MCM EIN 91-0851882 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $31K |
| CONOVER INSURANCE SERVICES, LLC EIN 27-3052908 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $29K |
| PSG WASHINGTON, INC. NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | P.O. BOX 387 EVERETT, WA 982060387 | $28K |
| WELLS FARGO INSURANCE SERVICES USA EIN 56-1882208 NONE | Consulting fees; Finders' fees / placement fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Insurance services; Insurance brokerage commissions and fees; Direct payment from the plan Service code 15 | — | $23K |
| COORDINATED BENEFITS DBA BASIN PACI EIN 27-1158624 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $23K |
| COLIN F. SAMUELSON II DBA CFS PLANN NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 2032 160TH ST SW LYNNWOOD, WA 980872501 | $23K |
| BERG ANDONIAN, INC. NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | P.O. BOX 66029 TACOMA, WA 98464 | $22K |
| PARKER SMITH & FEEK EIN 91-0660018 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $22K |
| WELLSPRING FAMILY SERVICES EAP EIN 91-0567261 NONE | Direct payment from the plan; Claims processing; Plan Administrator Service code 12 | — | $21K |
| WILSON ALBERS AN ALERA GROUP AGENCY EIN 82-3775054 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $21K |
| SCHOEDEL & SCHOEDEL CPAS, PLLC EIN 91-0614823 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| MADDOCK & ASSOCIATES EIN 91-1280409 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $19K |
| B & F INSURANCE, LLC EIN 35-2384961 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $16K |
| BENEFITS CONSULTING SERVICES, LLC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | P.O. BOX 2088 ISSAQUAH, WA 980270093 | $15K |
| GHB INSURANCE, INC. EIN 91-0639776 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $15K |
| PRO BENEFITS OF WASHINGTON, LLC EIN 27-5039273 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $15K |
| THE VITOLO COMPANY EIN 91-2032673 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $14K |
| 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 | — | $14K |
| HUB INTERNATIONAL NW, LLC EIN 91-2036015 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $13K |
| ALLIANT INSURANCE SERVICES, INC. NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 921018156 | $13K |
| CUMMINGS, FRASER & ASSOCIATES, LLC EIN 68-0609841 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $13K |
| 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 | — | $13K |
| THE ADVISOR BENEFITS GROUP, INC. EIN 91-1628862 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $8K |
| RAPPORT BENEFITS GROUP EIN 20-5703005 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $7K |
| RICE INSURANCE, LLC EIN 91-1746907 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $6K |
| BENEFIT DESIGN SERVICES, LLC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 4620 200TH ST SW, SUITE H LYNNWOOD, WA 98036 | $6K |
| FINANCIAL PLANNING CONCEPTS, INC. EIN 91-0986247 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers 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 | 6,076 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,076 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PREMERA BLUE CROSS | 1,547 | $19.6M |
| Dental | DELTA DENTAL OF WASHINGTON | 3,866 | $1.7M |
| Vision | VISION SERVICE PLAN | 1,984 | $202K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,395 | $266K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 67 | $12K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 67 | $22K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,395 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,866 | — |
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.