| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 777 MARINERS ISLAND BLVD, STE 250 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $306 | $306 | 1.75% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 777 MARINERS ISLAND BLVD, STE 250 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $190 | $190 | 1.75% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 777 MARINERS ISLAND BLVD, STE 250 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $140 | $140 | 1.76% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 777 MARINERS ISLAND BLVD, STE 250 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | — |
| 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); Consulting fees; Insurance agents and brokers; Insurance services; Finders' fees / placement fees; Insurance brokerage commissions and fees Service code 15 | — | $1.4M |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Accounting (including auditing); Contract Administrator; Direct payment from the plan; Recordkeeping fees; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating Service code 10 | — | $580K |
| ASSOCIATED INDUSTRIES MANAGEMENT SE EIN 91-1485366 NONE | Recordkeeping fees; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Copying and duplicating; Contract Administrator; Accounting (including auditing) Service code 10 | — | $389K |
| DIGITAL INSURANCE, INC. EIN 58-2522668 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $218K |
| ACRISURE LLC DBA RISQ CONSULTING EIN 26-3554645 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $204K |
| 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 | — | $192K |
| DAVIS WRIGHT TREMAINE, LLP EIN 91-0839480 NONE | Consulting (general); Legal; Direct payment from the plan Service code 16 | — | $140K |
| USI INSURANCE SERVICES NATIONAL, IN EIN 56-1882208 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $125K |
| ALASKA EMPLOYEE BENEFITS, INC. EIN 71-0869170 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $112K |
| PAYNEWEST INSURANCE, A MARSH & MCLE EIN 36-1436000 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $105K |
| ASSUREDPARTNERS OF WA, LLC DBA RGIA EIN 38-2942963 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $98K |
| WILSON ALBERS AN ALERA GROUP AGENCY EIN 82-3775054 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $84K |
| AURORA NATIONAL INSURANCE EIN 82-1257465 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $76K |
| BELL-ANDERSON AGENCY, INC. EIN 91-0756278 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $75K |
| JOHN B. SCATES TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 4565 FLYING GOAT AVE NE, B240 BAINBRIDGE ISLAND, WA 98110 | $74K |
| 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 | — | $61K |
| BTG AND ASSOCIATES DBA BTG BENEFITS EIN 84-3131974 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $57K |
| GREGORY A MYHRE NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $48K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $46K |
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $39K |
| PSG WASHINGTON, INC. EIN 20-2040193 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $37K |
| MARSH USA, INC. DBA MARSH & MCLENNA EIN 26-3237575 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $35K |
| SCHOEDEL & SCHOEDEL CPAS, PLLC EIN 91-0614823 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $34K |
| SPRAGUE ISRAEL GILES, INC. EIN 91-0683304 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $30K |
| WELLSPRING FAMILY SERVICES EAP EIN 91-0567261 NONE | Direct payment from the plan; Plan Administrator; Claims processing Service code 12 | — | $24K |
| MADDOCK & ASSOCIATES, LLC EIN 83-2655931 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $24K |
| PRO BENEFITS OF WASHINGTON, LLC EIN 82-3618758 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $20K |
| TRUEBENEFITS LLC EIN 91-2034415 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $19K |
| ALASKA BENEFITS- PATRICIA I MACK NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $18K |
| DAVE TUTTLE INSURANCE, INC. NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $17K |
| PARKER, SMITH & FEEK EIN 91-0660018 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $17K |
| 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 | — | $17K |
| MITCHELL REED & SCHMITTEN INSURANCE EIN 91-1745509 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $16K |
| NICHOLSON & ASSOCIATES INSURANCE, L EIN 91-1991902 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $15K |
| 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 980270093 | $15K |
| CUMMINGS, FRASER & ASSOCIATES, LLC EIN 68-0609841 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $15K |
| PROSYNC INSURANCE SERVICES, LLC EIN 83-0541257 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $14K |
| WHITFIELDS DBA LEAVITT GROUP BENEFI EIN 91-1366133 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $14K |
| 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 | — | $11K |
| 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 | — | $10K |
| CLG EMPLOYER RESOURCES EIN 27-4743785 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $10K |
| EPIC INSURANCE SOLUTIONS, LLC EIN 83-4203966 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $9K |
| PCF INSURANCE SERVICES OF THE WEST EIN 82-1368960 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $9K |
| STEVENSON INSURANCE AGENCY, LLC EIN 88-1229056 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $7K |
| TERRIL LEWIS & WILKE INSURANCE EIN 91-1137671 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $7K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $7K |
| DUNCAN & ASSOCIATES INSURANCE BROKE EIN 91-1577971 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $7K |
| WALTERS & ASSOCIATES INSURANCE. INC EIN 92-0084414 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $6K |
| GHB INSURANCE, INC. EIN 91-0639776 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 | 4,411 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | PREMERA BLUE CROSS | 1,949 | $39.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 3,701 | $2.3M |
| Vision | VISION SERVICE PLAN | 2,823 | $313K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 46 | $17K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $8K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 61 | $11K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 46 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,701 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.