| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $3K | — | $3K | 1.57% |
| 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 | $210 | — | $210 | 1.50% |
| 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 | 0.59% |
| 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 | $38 | — | $38 | 0.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABD INSURANCE & FINANCIAL SERVICES, EIN 27-0673528 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance brokerage commissions and fees; Finders' fees / placement fees; Consulting fees; Insurance agents and brokers; Insurance services Service code 15 | — | $905K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Direct payment from the plan; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Accounting (including auditing); Recordkeeping fees; Contract Administrator Service code 10 | — | $529K |
| 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 | — | $291K |
| DAVIS WRIGHT TREMAINE, LLP EIN 91-0839480 NONE | Consulting (general); Legal; Direct payment from the plan Service code 16 | — | $197K |
| AXIS INSURANCE, LLC DBA CONOVER INS EIN 91-1953703 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $121K |
| KIBBLE & PRENTICE HOLDING COMPANY EIN 91-1176315 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $96K |
| USI INSURANCE SERVICES NATIONAL, IN EIN 56-1882208 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $91K |
| DIGITAL INSURANCE, INC. EIN 58-2522668 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $73K |
| HEALTH INSURANCE TEAM EIN 45-1565934 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $61K |
| PARKER SMITH & FEEK EIN 91-0660018 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $61K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $59K |
| CONOVER INSURANCE SERVICES, LLC EIN 27-3052908 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $47K |
| JOHN B. SCATES TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 320 HERON LANE FRIDAY HARBOR, WA 98250 | $45K |
| STILLWATER BENEFITS, LLC EIN 47-4944052 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $43K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $39K |
| MCM EIN 91-0851882 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $36K |
| R.L. EVANS COMPANY, INC. EIN 91-0849784 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $33K |
| B & F INSURANCE, LLC EIN 35-2384961 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $32K |
| PSG WASHINGTON, INC. EIN 20-2040193 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $28K |
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $26K |
| WELLSPRING FAMILY SERVICES EAP EIN 91-0567261 NONE | Claims processing; Direct payment from the plan; Plan Administrator Service code 12 | — | $25K |
| MADDOCK & ASSOCIATES EIN 83-2655931 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $24K |
| HUB INTERNATIONAL NW, LLC EIN 91-2036015 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $24K |
| KRAUTER & COMPANY, LLC EIN 20-1732478 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $24K |
| CUMMINGS, FRASER & ASSOCIATES, LLC EIN 68-0609841 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $20K |
| SCHOEDEL & SCHOEDEL CPAS, PLLC EIN 91-0614823 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| TRUTINA FINANCIAL, LLC EIN 47-0995939 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $17K |
| TERRIL LEWIS & WILKE INSURANCE EIN 91-1137671 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $17K |
| COORDINATED BENEFITS DBA BASIN PACI EIN 27-1158624 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $17K |
| GHB INSURANCE, INC. EIN 91-0639776 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $16K |
| TRUEBENEFITS LLC EIN 91-2034415 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $16K |
| 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 | — | $16K |
| BENEFITS CONSULTING SERVICES, LLC NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | P.O. BOX 2088 ISSAQUAH, WA 980270093 | $14K |
| THE VITOLO COMPANY EIN 91-2032673 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $13K |
| 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 |
| NFP CORPORATE SERVICES (NY), LLC EIN 20-1941665 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $11K |
| BENSLER, LLC DBA SOUND CONSULTING S EIN 71-1004774 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $11K |
| J FRANKLAND EMPLOYEE BENEFITS SERV EIN 46-3291059 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $9K |
| BROWN & BROWN OF WASHINGTON, INC. EIN 91-0378940 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $9K |
| THE ADVISOR BENEFITS GROUP, INC. EIN 91-1628862 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $9K |
| RICE INSURANCE, LLC EIN 91-1746907 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $8K |
| BENEFIT DESIGN SERVICES, LLC EIN 27-3460566 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $8K |
| MITCHELL REED & SCHMITTEN INSURANCE EIN 91-1745509 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $7K |
| DESERT INSURANCE BENEFITS, INC. EIN 91-1661650 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $5K |
| EMPLOYEE BENEFIT SERVICES EIN 30-9320542 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $5K |
| FINANCIAL PLANNING CONCEPTS, INC. EIN 91-0986247 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; 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 | 3,726 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,726 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PREMERA BLUE CROSS | 1,486 | $22.7M |
| Dental | DELTA DENTAL OF WASHINGTON | 3,791 | $1.9M |
| Vision | VISION SERVICE PLAN | 2,162 | $226K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,161 | $178K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $6K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $11K |
| Prescription drug(2 contracts) | PREMERA BLUE CROSS | 1,486 | $22.7M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,161 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,791 | — |
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.