| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 1201 THIRD AVENUE, SUITE 1600 SEATTLE, WA 98101 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH PA | $423 | — | $423 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABD INSURANCE & FINANCIAL SERVICES, EIN 27-0673528 NONE | Direct payment from the plan; Insurance services; Finders' fees / placement fees; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Consulting fees; Insurance brokerage commissions and fees Service code 15 | — | $2.2M |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Copying and duplicating; Accounting (including auditing); Recordkeeping fees; Participant communication; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $1.6M |
| SEATTLE METROPOLITAN CHAMBER OF COM EIN 91-0402330 TRUST SETTLOR | Direct payment from the plan; Other fees; Finders' fees / placement fees; Participant communication; Other services Service code 38 | — | $755K |
| PRO-PLAN MANAGEMENT, LLC EIN 46-3874239 NONE | Consulting fees; Insurance agents and brokers; Insurance brokerage commissions and fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Finders' fees / placement fees; Insurance services Service code 15 | — | $364K |
| IMPACT ACCOUNTING SERVICES, LLC EIN 45-2647626 NONE | Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Insurance agents and brokers; Consulting fees; Insurance services; Consulting (general) Service code 13 | — | $363K |
| 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 | — | $311K |
| HUB INTERNATIONAL NW, LLC NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 3018 BOTHELL, WA 980413018 | $221K |
| HEALTH INSURANCE TEAM EIN 45-1565934 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $177K |
| DIGITAL INSURANCE, INC EIN 58-2522668 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $162K |
| DAVIS WRIGHT TREMAINE, LLP EIN 91-0839480 NONE | Legal; Direct payment from the plan; Consulting (general) Service code 16 | — | $148K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $145K |
| ASSUREDPARTNERS OF WA LLC DBA RGIA NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 1325 4TH AVE, SUITE 2100 SEATTLE, WA 98101 | $136K |
| GHB INSURANCE, INC. EIN 91-0639776 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $134K |
| USI NORTHWEST DBA KIBBLE & PRENTICE NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 62949 VIRGINIA BEACH, VA 23466 | $126K |
| MADDOCK & ASSOCIATES EIN 91-1280409 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $122K |
| THE VITOLO COMPANY EIN 91-2032673 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $121K |
| 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 | — | $112K |
| 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 |
| EBENEFITS CONSULTING GROUP, LLC EIN 20-8629593 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $91K |
| PROPEL INSURANCE AGENCY, LLC DBA PR EIN 91-0830024 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $85K |
| 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 | — | $85K |
| THE PARTNERS GROUP LTD. NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 11225 SE 6TH ST, STE 110 BELLEVUE, WA 980046478 | $75K |
| 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 921018156 | $74K |
| BELL-ANDERSON AGENCY, INC. EIN 91-0756278 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $73K |
| AUKEMA & ASSOCIATES, INC. EIN 20-2023367 NONE | Consulting (general); Other services; Direct payment from the plan; Consulting fees Service code 16 | — | $69K |
| WHITFIELDS UNITED INSURANCE AGENCIE EIN 91-1366133 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $68K |
| SPRAGUE ISRAEL GILES INSURANCE, INC EIN 91-0683304 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $61K |
| WELLSPRING FAMILY SERVICES EAP EIN 91-0567261 NONE | Plan Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $61K |
| OLYMPIC CREST INSURANCE, INC. EIN 91-1717576 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $60K |
| CONOVER INSURANCE SERVICES, LLC EIN 27-3052908 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $54K |
| MICHAEL BENZIKRY & ASSOCIATES NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 9311 SE 36TH ST. STE. 105 MERCER ISLAND, WA 980403700 | $50K |
| AXIS INSURANCE DBA CONOVER INSURANC EIN 91-1953703 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $50K |
| GROUP SOLUTIONS NORTHWEST, LLC EIN 91-2158338 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $48K |
| STILLWATER BENEFITS, LLC EIN 47-4944052 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $43K |
| TACOMA-PIERCE COUNTY CHAMBER EIN 91-0434830 NONE | Direct payment from the plan; Finders' fees / placement fees; Other fees; Other services; Participant communication Service code 38 | — | $43K |
| DEGGINGER MCINTOSH AND ASSOCIATES EIN 91-0751907 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $42K |
| LARSON CHRISTOPHERSON BENEFITS EIN 20-8083516 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $42K |
| 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 985021118 | $42K |
| TRUTINA FINANCIAL, LLC EIN 47-0995939 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $40K |
| MITCHELL, REED & SCHMITTEN INS, INC EIN 91-1745509 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $40K |
| PSG WASHINGTON, INC. EIN 20-2040193 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $39K |
| KRISTIN MANWARING INSURANCE ASSOC. EIN 20-4650764 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $36K |
| 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 | — | $35K |
| ACRISURE, LLC DBA RISQ CONSULTING EIN 26-3554645 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $33K |
| LARRY BARKEN NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 81580 RANCHO SANTANA DR LA QUINTA, CA 92253 | $31K |
| B & F INSURANCE, LLC EIN 35-2384961 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Accounting (including auditing) Service code 10 | — | $31K |
| INSURANCE NW, INC. EIN 91-2170311 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $29K |
| DAN DISSAULT DBA NBR GROUP, LLC NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 11846 3RD AVE S SEATTLE, WA 981682034 | $29K |
| BELLINGHAM WHATCOM CHAMBER EIN 91-0141830 NONE | Finders' fees / placement fees; Other fees; Direct payment from the plan; Other services; Participant communication Service code 38 | — | $29K |
| 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 |
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 | 18,983 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 18,983 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 13,068 | $59.7M |
| Dental | DELTA DENTAL OF WASHINGTON | 8,057 | $3.5M |
| Vision | VISION SERVICE PLAN | 5,049 | $360K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 8,510 | $264K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 8,510 | $264K |
| Prescription drug | PREMERA BLUE CROSS | 13,068 | $59.7M |
| Other | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH PA | 0 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,068 | — |
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.