| 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 | — | $2K | $2K | 1.47% |
| 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 | -1.92% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 1990 N CALIFORNIA BLVD WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $76 | $76 | 0.61% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 1990 N CALIFORNIA BLVD WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $153 | $153 | 1.50% |
| 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 | — | -$229 | -$229 | -2.25% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 1990 N CALIFORNIA BLVD WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $54 | $54 | 0.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABD INSURANCE & FINANCIAL SERVICES, EIN 27-0673528 NONE | Insurance agents and brokers; Consulting (general); Finders' fees / placement fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Direct payment from the plan; Consulting fees; Insurance brokerage commissions and fees Service code 15 | — | $959K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Accounting (including auditing); Direct payment from the plan; Recordkeeping fees; Participant communication; Copying and duplicating Service code 10 | — | $556K |
| ARMFIELD HARRISON & THOMAS TECH EIN 54-0654623 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $331K |
| AXIS INSURANCE, LLC DBA CONOVER INS EIN 91-1953703 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $205K |
| DIGITAL INSURANCE, INC. EIN 58-2522668 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $115K |
| DAVIS WRIGHT TREMAINE, LLP EIN 91-0839480 NONE | Consulting (general); Legal; Direct payment from the plan Service code 16 | — | $114K |
| 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 | — | $63K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $63K |
| HUB INTERNATIONAL NW, LLC EIN 91-2036015 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $61K |
| PARKER SMITH & FEEK EIN 91-0660018 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $58K |
| 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 | — | $55K |
| JOHN B. SCATES TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 4565 FLYING GOAT AVE NE, B240 BAINBRIDGE ISLAND, WA 98110 | $48K |
| 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 | — | $44K |
| B & F INSURANCE, LLC EIN 35-2384961 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $43K |
| MCM EIN 20-4284376 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $40K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $37K |
| KIBBLE & PRENTICE HOLDING COMPANY EIN 91-1176315 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $36K |
| 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 | — | $30K |
| WELLSPRING FAMILY SERVICES EAP EIN 91-0567261 NONE | Direct payment from the plan; Plan Administrator; Claims processing Service code 12 | — | $26K |
| TERRIL LEWIS & WILKE INSURANCE EIN 91-1137671 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $25K |
| 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 | — | $24K |
| EGGS AND RICE, LLC NONE | Consulting (general); Direct payment from the plan Service code 16 | 4444 WOODLAND PARK AVE N, UNIT 214 SEATTLE, WA 98103 | $23K |
| THE VITOLO COMPANY EIN 91-2032673 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $22K |
| SCHOEDEL & SCHOEDEL CPAS, PLLC EIN 91-0614823 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| BROWN & BROWN OF WASHINGTON, INC. EIN 91-0378940 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $18K |
| MADDOCK & ASSOCIATES, LLC EIN 83-2655931 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $17K |
| RSC INSURANCE BROKERAGE, INC. EIN 16-1689464 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $16K |
| PSG WASHINGTON, INC. EIN 20-2040193 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $15K |
| KRAUTER & COMPANY, LLC EIN 20-1732478 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $15K |
| 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 | — | $15K |
| RIVERSIDE EMPLOYEE BENEFITS, LLC EIN 84-3461477 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $14K |
| TRUEBENEFITS LLC EIN 91-2034415 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $14K |
| BENSLER, LLC DBA SOUND CONSULTING S EIN 71-1004774 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $14K |
| 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 | $13K |
| GHB INSURANCE, INC. EIN 91-0639776 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $11K |
| EMPLOYEE BENEFIT SERVICES EIN 30-9320542 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $11K |
| NFP CORPORATE SERVICES (NY), LLC EIN 20-1941665 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $11K |
| MITCHELL REED & SCHMITTEN INSURANCE EIN 91-1745509 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $10K |
| 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 | — | $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 | — | $9K |
| FORTUNE 360 GROUP, LLC EIN 47-3908589 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $9K |
| THE ADVISOR BENEFITS GROUP, INC. EIN 91-1628862 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $8K |
| BENEFIT DESIGN SERVICES, LLC EIN 27-3460566 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $7K |
| BELL-ANDERSON AGENCY DBA GHB INSURA EIN 91-0756278 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $6K |
| DESERT INSURANCE BENEFITS, INC. EIN 91-1661650 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $5K |
| FINANCIAL PLANNING CONCEPTS, INC. EIN 91-0986247 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $5K |
| ASSUREDPARTNERS OF WA, LLC DBA RGIA EIN 91-0840484 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 | 3,151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PREMERA BLUE CROSS | 1,671 | $24.0M |
| Dental | DELTA DENTAL OF WASHINGTON | 4,087 | $1.9M |
| Vision | VISION SERVICE PLAN | 1,946 | $224K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,447 | $154K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $9K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $13K |
| Prescription drug(2 contracts) | PREMERA BLUE CROSS | 1,671 | $24.0M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,447 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,087 | — |
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.