| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 999 3RD AVENUE, SUITE 4100 SEATTLE, WA 98104 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH PA | $566 | — | $566 | 20.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES USA, EIN 91-0971685 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Consulting fees; Finders' fees / placement fees; Insurance services; Consulting (general) Service code 15 | — | $1.7M |
| BENEFIT SOLUTIONS, INC. (VIMLY BENE EIN 91-1603312 NONE | Contract Administrator; Recordkeeping fees; Accounting (including auditing); Direct payment from the plan; Copying and duplicating; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $1.3M |
| SEATTLE METROPOLITAN CHAMBER OF COM EIN 91-0402330 TRUST SETTLOR | Other services; Participant communication; Direct payment from the plan; Other fees; Finders' fees / placement fees Service code 38 | — | $588K |
| ABD INSURANCE & FINANCIAL SERVICES, NONE | Insurance services; Consulting (general); Insurance agents and brokers; Consulting fees; Insurance brokerage commissions and fees; Finders' fees / placement fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | $347K |
| PRO-PLAN MANAGEMENT, LLC EIN 46-3874239 NONE | Consulting fees; Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers; Finders' fees / placement fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services Service code 15 | — | $311K |
| HUB INTERNATIONAL NW, LLC NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | P.O. BOX 3018 BOTHELL, WA 980413018 | $236K |
| AH&T TECHNOLOGY, INC. EIN 54-0654623 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $205K |
| GALLAGHER BENEFITS SERVICES, INC. EIN 36-4291971 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $187K |
| DIGITAL INSURANCE, INC EIN 58-2522668 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $178K |
| DAVIS WRIGHT TREMAINE, LLP EIN 91-0839480 NONE | Consulting (general); Legal; Direct payment from the plan Service code 16 | — | $151K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $128K |
| PARKER, SMITH & FEEK, INC. EIN 91-0660018 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $102K |
| GHB INSURANCE, INC. EIN 91-0639776 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $97K |
| HEALTH INSURANCE TEAM EIN 45-1565934 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $96K |
| BENSLER, LLC DBA SOUND CONSULTING S EIN 71-1004774 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $95K |
| MADDOCK & ASSOCIATES EIN 91-1280409 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $79K |
| EBENEFITS CONSULTING GROUP, LLC EIN 20-8629593 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $73K |
| 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 | — | $70K |
| THE VITOLO COMPANY EIN 91-2032673 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $67K |
| 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 | — | $51K |
| 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 | — | $51K |
| MICHAEL BENZIKRY & ASSOCIATES EIN 91-1889320 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $50K |
| 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 | — | $49K |
| OLYMPIC CREST INSURANCE, INC. EIN 91-1717576 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $45K |
| MIKE JAPHET NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2637 12TH CT SW OLYMPIA, WA 985021118 | $44K |
| 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 | — | $44K |
| LARSON CHRISTOPHERSON BENEFITS EIN 20-8083516 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $44K |
| SPRAGUE ISRAEL GILES INSURANCE, INC EIN 91-0683304 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $44K |
| NORTHRIM BENEFITS GROUP EIN 20-2534702 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $43K |
| TACOMA-PIERCE COUNTY CHAMBER EIN 91-0434830 NONE | Direct payment from the plan; Finders' fees / placement fees; Other services; Other fees; Participant communication Service code 38 | — | $43K |
| ASSUREDPARTNERS OF WA LLC DBA RGIA NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | P.O. BOX 847 REDMOND, WA 980730847 | $41K |
| DEGGINGER MCINTOSH AND ASSOCIATES EIN 91-0751907 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $39K |
| INSURANCE RESOURCE GROUP EIN 20-1950016 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $38K |
| WILSON BURNLEY H. ASSOCIATES, INC. EIN 91-1193591 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $37K |
| DAN DISSAULT DBA NBR GROUP, LLC NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 11846 3RD AVE S SEATTLE, WA 981682034 | $36K |
| TRUTINA FINANCIAL, LLC EIN 47-0995939 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $34K |
| 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 | $30K |
| WALLINGFORD FINANCIAL & COLLEGE EIN 71-0907082 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $30K |
| WASHINGTON HEALTH AGENCY, INC. NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 7905 OLYMPIA, WA 985077905 | $30K |
| IMPACT ACCOUNTING SERVICES, LLC EIN 45-2647626 NONE | Recordkeeping fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Insurance services; Contract Administrator; Insurance agents and brokers; Consulting fees Service code 13 | — | $30K |
| ALBERS & COMPANY, INC. EIN 91-1289320 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $30K |
| MITCHELL, REED & SCHMITTEN INS, INC EIN 91-1745509 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $29K |
| ALLIANT INSURANCE SERVICES,INC. NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 701 B ST, 6TH FLOOR SAN DIEGO, CA 92101 | $29K |
| KRISTIN MANWARING INSURANCE ASSOC. EIN 20-4650764 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $29K |
| LARRY BARKEN NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 81580 RANCHO SANTANA DR LA QUINTA, CA 92253 | $29K |
| THE ADVISOR BENEFITS GROUP EIN 91-1628862 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $26K |
| 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 | — | $26K |
| FINANCIAL PLANNING CONCEPTS, INC EIN 91-0986247 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $25K |
| BELLINGHAM WHATCOM CHAMBER EIN 91-0141830 NONE | Direct payment from the plan; Finders' fees / placement fees; Other fees; Other services; Participant communication Service code 38 | — | $24K |
| SOUND BENEFIT SOLUTIONS, INC. EIN 27-2552890 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $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 | 16,232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 16,232 | $51.3M |
| Dental(2 contracts) | DELTA DENTAL OF WASHINGTON | 6,454 | $3.0M |
| Vision | VISION SERVICE PLAN | 4,210 | $301K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 6,874 | $273K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 6,874 | $273K |
| Prescription drug | PREMERA BLUE CROSS | 16,232 | $51.3M |
| Other(2 contracts, 2 carriers) | WELLSPRING FAMILY SERVICES, EAP | 6,063 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,232 | — |
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.
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.