| 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 | $608 | — | $608 | 20.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE VITOLO COMPANY EIN 91-2032673 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $912.0M |
| WELLS FARGO INSURANCE SERVICES EIN 91-0971685 NONE | Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Consulting fees; Insurance brokerage commissions and fees; Consulting (general); Finders' fees / placement fees; Direct payment from the plan Service code 15 | — | $2.0M |
| 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 | — | $1.3M |
| SEATTLE METROPOLITAN CHAMBER OF COM EIN 91-0402330 TRUST SETTLOR | Finders' fees / placement fees; Other fees; Other services; Direct payment from the plan; Participant communication Service code 38 | — | $660K |
| PRO-PLAN MANAGEMENT, LLC EIN 46-3874239 NONE | Finders' fees / placement fees; Direct payment from the plan; Consulting fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance brokerage commissions and fees; Insurance agents and brokers; Insurance services Service code 15 | — | $354K |
| DIGITAL INSURANCE, INC EIN 58-2522668 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $220K |
| AH&T TECHNOLOGY, INC. EIN 54-0654623 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $179K |
| GALLAGHER BENEFITS SERVICES, INC. EIN 36-4291971 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $168K |
| HUB INTERNATIONAL NW, LLC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | P.O. BOX 3018 BOTHELL, WA 980413018 | $134K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $122K |
| CONOVER INSURANCE SERVICES, LLC EIN 27-3052908 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $121K |
| BRATRUD MIDDLETON INSURANCE BROKERS EIN 91-0830024 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $106K |
| 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 | — | $81K |
| PARKER, SMITH & FEEK, INC. EIN 91-0660018 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $77K |
| HEALTH INSURANCE TEAM EIN 45-1565934 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $75K |
| EBENEFITS CONSULTING GROUP, LLC EIN 20-8629593 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $72K |
| ASSURED PARTNERS OF WA, LLC DBA MCM EIN 38-3942963 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $69K |
| DAVIS WRIGHT TREMAINE, LLP EIN 91-0839480 NONE | Consulting (general); Legal; Direct payment from the plan Service code 16 | — | $66K |
| BROWN & BROWN OF WASHINGTON, INC. EIN 91-0378940 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $56K |
| 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 | — | $53K |
| BENEFIT ADMINISTRATION COMPANY, LLC EIN 91-1999591 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $49K |
| AXIS INSURANCE DBA CONOVER INSURANC EIN 91-1953703 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $48K |
| GROUP SOLUTIONS NORTHWEST, LLC EIN 91-2158338 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $45K |
| TACOMA-PIERCE COUNTY CHAMBER EIN 91-0434830 NONE | Other services; Direct payment from the plan; Participant communication; Other fees; Finders' fees / placement fees Service code 38 | — | $45K |
| WILSON BURNLEY H. ASSOCIATES, INC. EIN 91-1193591 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $44K |
| WILLIS OF SEATTLE, INC. NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 505 FIFTH AVE S, STE 200 SEATTLE, WA 98104 | $44K |
| PSG WASHINGTON, INC. EIN 20-2040193 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $43K |
| MADDOCK & ASSOCIATES EIN 91-1280409 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $41K |
| ALBERS & COMPANY, INC. EIN 91-1289320 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $41K |
| USI NORTHWEST DBA KIBBLE & PRENTICE NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | P.O. BOX 62949 VIRGINIA BEACH, VA 23466 | $40K |
| BELL-ANDERSON AGENCY, INC. EIN 91-0756278 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $39K |
| NORTHRIM BENEFITS GROUP EIN 20-2534702 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $38K |
| MIKE JAPHET NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 2637 12TH CT SW OLYMPIA, WA 985021118 | $35K |
| WALLINGFORD FINANCIAL & COLLEGE EIN 71-0907082 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $33K |
| DAN DISSAULT DBA NBR GROUP, LLC EIN 27-0955422 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $32K |
| PAYCHEX INSURANCE AGENCY, INC. EIN 16-1528391 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $32K |
| VERNON T. BONFIELD EIN 47-2661410 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $30K |
| NOYD & NOYD INSURANCE AGENCY, INC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 500 N WENATCHEE AVE WENATCHEE, WA 988016655 | $30K |
| INSURANCE RESOURCE GROUP EIN 20-1950016 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $29K |
| 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 | — | $29K |
| 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 | — | $28K |
| COORDINATED BENEFITS EIN 27-1158624 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $28K |
| SERVCO INSURANCE SERVICES EIN 27-3175453 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $27K |
| J. FRANKLAND EMPLOYEE BENEFIT SERV EIN 46-3291059 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $27K |
| LARSON CHRISTOPHERSON BENEFITS EIN 20-8083516 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $27K |
| DEGGINGER MCINTOSH AND ASSOCIATES EIN 91-0751907 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $26K |
| CORKERY AND JONES BENEFITS, INC. EIN 91-1269034 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $25K |
| WHEAT & ASSOCIATES INSURANCE, INC. EIN 91-1946257 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $25K |
| MICHAEL BENZIKRY & ASSOCIATES EIN 91-1889320 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $25K |
| DAN MAIZEL NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 9311 SE 36TH ST. STE. 112 MERCER ISLAND, WA 98040 | $23K |
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 | 17,482 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 17,482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 17,482 | $59.4M |
| Dental | DELTA DENTAL OF WASHINGTON | 5,423 | $2.3M |
| Vision | VISION SERVICE PLAN | 4,133 | $296K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 7,022 | $270K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 7,022 | $270K |
| Prescription drug | PREMERA BLUE CROSS | 17,482 | $59.4M |
| Other(2 contracts, 2 carriers) | WELLSPRING FAMILY SERVICES, EAP | 6,415 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,482 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.