| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 601 UNION ST, STE 1300 SEATTLE, WA 98101 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH PA | $716 | — | $716 | 19.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES EIN 91-0971685 NONE | Finders' fees / placement fees; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees; Consulting fees Service code 15 | — | $3.1M |
| 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 | — | $1.7M |
| SEATTLE METROPOLITAN CHAMBER OF COM EIN 91-0402330 TRUST SETTLOR | Other services; Direct payment from the plan; Other fees; Finders' fees / placement fees; Participant communication Service code 38 | — | $817K |
| DAVIS WRIGHT TREMAINE, LLP EIN 91-0839480 NONE | Legal; Direct payment from the plan; Consulting (general) Service code 16 | — | $484K |
| PRO-PLAN MANAGEMENT, LLC EIN 46-3874239 NONE | Consulting (general); Insurance brokerage commissions and fees; Consulting fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Finders' fees / placement fees; Direct payment from the plan; Insurance services; Insurance agents and brokers Service code 15 | — | $481K |
| DIGITAL INSURANCE, INC EIN 58-2522668 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $262K |
| AH&T TECHNOLOGY, INC. EIN 54-0654623 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $236K |
| GALLAGHER BENEFIT SERVICE NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 777 108 AVE NE STE 200 BELLEVUE, WA 98004 | $197K |
| CONOVER INSURANCE EIN 27-3052908 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $151K |
| HUB INTERNATIONAL NORTHWEST, LLC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | P.O. BOX 3018 BOTHELL, WA 98041 | $130K |
| BRATRUD MIDDLETON INSURANCE BROKERS EIN 91-0830024 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $122K |
| WILSON BURNLEY H. ASSOCIATES, INC. EIN 91-1193591 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $120K |
| PARKER, SMITH & FEEK, INC. EIN 91-0660018 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $117K |
| BELL ANDERSON AGENCY EIN 91-0756278 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $88K |
| HEALTH INSURANCE TEAM EIN 45-1565934 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $88K |
| BROWN & BROWN OF WASHINGTON, INC. EIN 91-0378940 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $80K |
| KIBBLE & PRENTICE EIN 91-1176315 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $75K |
| OLYMPIC CREST INSURANCE, INC. EIN 91-1717576 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $71K |
| TACOMA-PIERCE COUNTY CHAMBER EIN 91-0434830 NONE | Direct payment from the plan; Other services; Other fees; Participant communication; Finders' fees / placement fees Service code 38 | — | $69K |
| MICHAEL BENZIKRY & ASSOCIATES EIN 91-1889320 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $64K |
| ASSURED PARTNERS OF WA, LLC DBA MCM EIN 38-3942963 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $64K |
| SPRAGUE ISRAEL GILES INSURANCE, INC EIN 91-0683304 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $61K |
| GROUP SOLUTIONS NORTHWEST, LLC EIN 91-2158338 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $60K |
| M&O AGENCIES DBA THE MAHONEY GROUP EIN 86-6050329 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $54K |
| BENEFIT ADMINISTRATION COMPANY, LLC EIN 91-1999591 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $51K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $50K |
| WEST MONROE PARTNERS, LLC NONE | Other services; Direct payment from the plan Service code 49 | 1501 FOURTH AVENUE, SUITE 2300 SEATTLE, WA 98101 | $50K |
| WILLIS OF SEATTLE, INC. NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 505 FIFTH AVE S, STE 200 SEATTLE, WA 98104 | $49K |
| CUMMINGS FRASER & ASSOCIATES, LLC EIN 68-0609841 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $49K |
| COORDINATED BENEFITS EIN 27-1158624 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $44K |
| AXIS INSURANCE DBA CONOVER INSURANC EIN 91-1953703 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $42K |
| EBENEFITS CONSULTING GROUP, LLC EIN 20-8629593 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $42K |
| MADDOCK & ASSOCIATES EIN 91-1280409 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $41K |
| ALBERS & COMPANY EIN 91-1289320 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $38K |
| J. FRANKLAND EMPLOYEE BENEFIT SERV EIN 46-3291059 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $37K |
| THE LIGHTLE GROUP, LLC EIN 47-4508641 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $37K |
| CHS INSURANCE EIN 41-1795536 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $37K |
| CORKERY AND JONES BENEFITS, INC. NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 818 W RIVERSIDE, SUITE 800 SPOKANE, WA 99201 | $37K |
| MITCHELL, REED & SCHMITTEN INS, INC EIN 91-1745509 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $36K |
| PAYCHEX INSURANCE AGENCY, INC. EIN 16-1528391 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $35K |
| WHEAT & ASSOCIATES INSURANCE, INC. EIN 91-1946257 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $35K |
| WALLINGFORD FINANCIAL & COLLEGE EIN 71-0907082 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $33K |
| ROBERT H. PHILIP NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 2929 1ST AVE, APT 417 SEATTLE, WA 98121 | $33K |
| MIKE JAPHET NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 2637 12TH CT SW OLYMPIA, WA 98502 | $32K |
| NOYD & NOYD INSURANCE AGENCY INC NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 500 N WENATCHEE AVE WENATCHEE, WA 98801 | $31K |
| BELLINGHAM WHATCOM CHAMBER EIN 91-0141830 NONE | Direct payment from the plan; Other services; Other fees; Participant communication; Finders' fees / placement fees Service code 38 | — | $31K |
| LIFE & HEALTH UNDERWRITERS, INC. EIN 91-1488312 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $31K |
| SUPERIOR INSURANCE SERVICES, INC NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | P.O. BOX 2197 AUBURN, WA 98071 | $30K |
| LARSEN BENEFIT PROFESSIONALS, INC. NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 3033 36TH AVE W SEATTLE, WA 98199 | $29K |
| GREEN FINANCIAL EIN 91-1355214 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $29K |
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 | 20,381 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 20,381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PREMERA BLUE CROSS | 20,381 | $80.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 9,665 | $3.0M |
| Vision | VISION SERVICE PLAN | 5,275 | $408K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 9,665 | $360K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 9,665 | $360K |
| Prescription drug(3 contracts, 3 carriers) | PREMERA BLUE CROSS | 20,381 | $80.2M |
| Other(2 contracts, 2 carriers) | WELLSPRING FAMILY SERVICES EAP | 9,412 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,381 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.