| 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 800 SEATTLE, WA 98101 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH PA | $372 | — | $372 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABD INSURANCE & FINANCIAL SERVICES, EIN 27-0673528 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 | 777 MARINERS ISLAND BLVD, SUITE 250 SAN MATEO, CA 94404 | $2.5M |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Copying and duplicating; Accounting (including auditing); Direct payment from the plan; Recordkeeping fees; Contract Administrator Service code 10 | P.O. BOX 6 MUKILTEO, WA 982750006 | $1.8M |
| SEATTLE METROPOLITAN CHAMBER OF COM EIN 91-0402330 TRUST SETTLOR | Direct payment from the plan; Other fees; Finders' fees / placement fees; Other services; Participant communication Service code 38 | 1301 5TH AVE 1500 SEATTLE, WA 981012632 | $922K |
| 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 | 20 SOUTH KING STREET LEESBURG, VA 20175 | $472K |
| PRO-PLAN MANAGEMENT, LLC EIN 46-3874239 NONE | Finders' fees / placement fees; Consulting fees; Insurance agents and brokers; Insurance brokerage commissions and fees; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Consulting (general) Service code 15 | 4726 WEST ROBERTS WAY SEATTLE, WA 98199 | $421K |
| IMPACT ACCOUNTING SERVICES, LLC EIN 45-2647626 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Recordkeeping fees; Consulting fees; Insurance agents and brokers; Direct payment from the plan Service code 13 | 1315 11TH COURT SW NORTH BEND, WA 98045 | $405K |
| HUB INTERNATIONAL NW, LLC EIN 91-2036015 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | P.O. BOX 3018 BOTHELL, WA 980413018 | $224K |
| DIGITAL INSURANCE, INC EIN 58-2522668 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | $201K |
| HEALTH INSURANCE TEAM EIN 45-1565934 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 4800 STONE WAY N SEATTLE, WA 98103 | $185K |
| ASSUREDPARTNERS OF WA LLC EIN 38-3942963 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1325 4TH AVE, SUITE 2100 SEATTLE, WA 98101 | $159K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 4386 MISSOULA, MT 598064386 | $142K |
| 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 | 2233 112TH AVENUE NE BELLEVUE, WA 980042936 | $141K |
| 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 | P.O. BOX 359 BLACK DIAMOND, WA 980100359 | $134K |
| 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 | P.O. BOX 90007 BELLEVUE, WA 980099007 | $132K |
| WHITFIELDS UNITED INSURANCE AGENCIE EIN 91-1366133 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 65770 UNIVERSITY PLACE, WA 98464 | $128K |
| THE VITOLO COMPANY EIN 91-2032673 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 1201 FIRST AVENUE S, SUITE 306 SEATTLE, WA 981341234 | $126K |
| MADDOCK & ASSOCIATES EIN 83-2655931 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1407 WILLOW RD E, SUITE C FIFE, WA 984241237 | $115K |
| DAVIS WRIGHT TREMAINE, LLP EIN 91-0839480 NONE | Legal; Direct payment from the plan; Consulting (general) Service code 16 | 920 FIFTH AVENUE, SUITE 3300 SEATTLE, WA 981041610 | $109K |
| BELL-ANDERSON AGENCY, INC. EIN 91-0756278 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 600 SW 39TH ST, STE 200 RENTON, WA 98057 | $99K |
| USI NORTHWEST DBA KIBBLE & PRENTICE EIN 91-1176315 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | P.O. BOX 62949 VIRGINIA BEACH, VA 23466 | $94K |
| GALLAGHER BENEFITS SERVICES, INC. EIN 36-4291971 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 777 108 AVE NE, SUITE 200 BELLEVUE, WA 98004 | $94K |
| PROPEL INSURANCE AGENCY, LLC DBA PR EIN 91-0830024 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | P.O. BOX 2940 TACOMA, WA 98401 | $84K |
| GHB INSURANCE, INC. EIN 91-0756278 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | P.O. BOX 1608 OLYMPIA, WA 985071608 | $81K |
| BENSLER, LLC DBA SOUND CONSULTING S EIN 71-1004774 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 200 112TH AVE NE, SUITE 205 BELLEVUE, WA 980045812 | $76K |
| 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 | 701 B ST 6TH FLOOR SAN DIEGO, CA 921018156 | $74K |
| TRUTINA FINANCIAL, LLC EIN 47-0995939 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 10811 MAIN STREET BELLEVUE, WA 98004 | $74K |
| WELLSPRING FAMILY SERVICES EAP EIN 91-0567261 NONE | Plan Administrator; Claims processing; Direct payment from the plan Service code 12 | 1900 RAINIER AVENUE SOUTH SEATTLE, WA 98144 | $72K |
| CONOVER INSURANCE SERVICES, LLC EIN 27-3052908 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 10088 YAKIMA, WA 98909 | $67K |
| 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 | P.O. BOX 2538 GIG HARBOR, WA 983354538 | $67K |
| PSG WASHINGTON, INC. EIN 20-2040193 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 387 EVERETT, WA 982060387 | $66K |
| 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 | 1501 FOURTH AVENUE, SUITE 730 SEATTLE, WA 981013624 | $66K |
| MICHAEL BENZIKRY & ASSOCIATES EIN 91-1889320 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 9311 SE 36TH ST, STE. 105 MERCER ISLAND, WA 980403700 | $63K |
| BROWN & BROWN OF WASHINGTON, INC. EIN 91-0378940 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 1501 4TH AVE, SUITE 2400 SEATTLE, WA 981013631 | $60K |
| THE PARTNERS GROUP LTD. EIN 93-1300504 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 11740 SW 68TH PARKWAY, STE 200 PORTLAND, OR 97223 | $59K |
| TACOMA-PIERCE COUNTY CHAMBER EIN 91-0434830 NONE | Other services; Participant communication; Direct payment from the plan; Finders' fees / placement fees; Other fees Service code 38 | 950 PACIFIC AVE 300 TACOMA, WA 98402 | $50K |
| MIKE JAPHET EIN 83-1249220 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 | $46K |
| WILSON ALBERS AN ALERA GROUP AGENCY EIN 82-3775054 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3000 A STREET, SUITE 400 ANCHORAGE, AK 99503 | $45K |
| MITCHELL, REED & SCHMITTEN INS, INC EIN 91-1745509 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 124 E PENNEY ROAD, SUITE 101 WENATCHEE, WA 988018113 | $41K |
| INSURANCE RESOURCE GROUP EIN 20-1950016 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 1777 EDMONDS, WA 980201777 | $39K |
| KRISTIN MANWARING INSURANCE ASSOC. EIN 20-4650764 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 2300 S PARK AVENUE PORT TOWNSEND, WA 983682275 | $39K |
| LARSEN CHRISTOPHERSON BENEFITS, INC EIN 20-8083516 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2008 123RD AVE NE LAKE STEVENS, WA 98258 | $38K |
| PASSPORT UNLIMITED, INC. EIN 91-1143040 NONE | Direct payment from the plan; Other services Service code 49 | 801 KIRKLAND AVE, STE 200 KIRKLAND, WA 98033 | $36K |
| 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 | 3201 FIRST AVE S, SUITE 108 SEATTLE, WA 98134 | $35K |
| DAN DISSAULT DBA NBR GROUP, LLC NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 11846 3RD AVE S SEATTLE, WA 981682034 | $33K |
| 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 | 8460 BENOTHO PLACE MERCER ISLAND, WA 98040 | $31K |
| 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 | P.O. BOX 1400 MUKILTEO, WA 982751400 | $30K |
| BENEFIT DESIGN SERVICES, LLC EIN 27-3460566 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 4620 200TH ST SW, SUITE H LYNNWOOD, WA 98036 | $29K |
| B & F INSURANCE, LLC EIN 35-2384961 NONE | Insurance brokerage commissions and fees; Accounting (including auditing); Direct payment from the plan Service code 10 | 2212 QUEEN ANNE AVE N, STE 502 SEATTLE, WA 981092312 | $29K |
| VAULT INS DBA CORNERSTONE FINANCIAL EIN 26-3980956 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 17422 108TH AVE SE, STE 200 RENTON, WA 980555400 | $28K |
| INSURE NW, INC. EIN 91-2170311 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 24297 FEDERAL WAY, WA 980931297 | $28K |
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 | 11,704 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 11,704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 14,452 | $68.8M |
| Dental | DELTA DENTAL OF WASHINGTON | 9,040 | $4.4M |
| Vision | VISION SERVICE PLAN | 6,089 | $462K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 9,544 | $306K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 9,544 | $306K |
| Prescription drug | PREMERA BLUE CROSS | 14,452 | $68.8M |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 9,544 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,452 | — |
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.