| 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 | $314 | — | $314 | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABD INSURANCE & FINANCIAL SERVICES, EIN 27-0673528 NONE | Insurance agents and brokers; Insurance services; Finders' fees / placement fees; Insurance brokerage commissions and fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Consulting fees Service code 15 | 777 MARINERS ISLAND BLVD, SUITE 250 SAN MATEO, CA 94404 | $2.7M |
| VIMLY 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 | P.O. BOX 6 MUKILTEO, WA 982750006 | $1.9M |
| SEATTLE METROPOLITAN CHAMBER OF COM EIN 91-0402330 TRUST SETTLOR | Participant communication; Other fees; Other services; Finders' fees / placement fees; Direct payment from the plan Service code 38 | 1301 5TH AVE 1500 SEATTLE, WA 981012632 | $977K |
| 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 | 20 SOUTH KING STREET LEESBURG, VA 20175 | $507K |
| DIGITAL INSURANCE, INC EIN 58-2522668 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | $459K |
| IMPACT ACCOUNTING SERVICES, LLC EIN 45-2647626 NONE | Consulting fees; Insurance services; Insurance agents and brokers; Contract Administrator; Consulting (general); Recordkeeping fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 1315 11TH COURT SW NORTH BEND, WA 98045 | $430K |
| HUB INTERNATIONAL NW, LLC EIN 91-2036015 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 | $229K |
| 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 | 2233 112TH AVENUE NE BELLEVUE, WA 980042936 | $210K |
| 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 | $193K |
| AXIS INSURANCE DBA CONOVER INSURANC EIN 91-1953703 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | P.O. BOX 90007 BELLEVUE, WA 980099007 | $154K |
| GALLAGHER BENEFITS SERVICES, INC. EIN 36-4291971 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 777 108 AVE NE, SUITE 200 BELLEVUE, WA 98004 | $151K |
| PRO-PLAN MANAGEMENT, LLC EIN 46-3874239 NONE | Insurance agents and brokers; Direct payment from the plan; Consulting fees; Finders' fees / placement fees; Insurance brokerage commissions and fees; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 4726 WEST ROBERTS WAY SEATTLE, WA 98199 | $148K |
| EBENEFITS CONSULTING GROUP, LLC EIN 20-8629593 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | P.O. BOX 359 BLACK DIAMOND, WA 980100359 | $144K |
| CONOVER INSURANCE SERVICES, LLC EIN 27-3052908 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | P.O. BOX 10088 YAKIMA, WA 98909 | $126K |
| BELL-ANDERSON AGENCY, INC. EIN 91-0756278 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 600 SW 39TH ST, STE 200 RENTON, WA 98057 | $125K |
| WHITFIELDS UNITED INSURANCE AGENCIE EIN 91-1366133 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 65770 UNIVERSITY PLACE, WA 98464 | $117K |
| 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 |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 4386 MISSOULA, MT 598064386 | $113K |
| JS EVENSON, LLC EIN 84-3523489 NONE | Consulting (general); Consulting fees; Direct payment from the plan Service code 16 | 16849 427TH PLACE SE NORTH BEND, WA 98045 | $92K |
| 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 | P.O. BOX 2940 TACOMA, WA 98401 | $84K |
| WELLSPRING FAMILY SERVICES EAP EIN 91-0567261 NONE | Claims processing; Direct payment from the plan; Plan Administrator Service code 12 | 1900 RAINIER AVENUE SOUTH SEATTLE, WA 98144 | $81K |
| BENSLER, LLC DBA SOUND CONSULTING S EIN 71-1004774 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 200 112TH AVE NE, SUITE 205 BELLEVUE, WA 980045812 | $75K |
| TRUTINA FINANCIAL, LLC EIN 47-0995939 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 10811 MAIN STREET BELLEVUE, WA 98004 | $74K |
| 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 | $74K |
| MICHAEL BENZIKRY & ASSOCIATES EIN 91-1889320 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 9311 SE 36TH ST, STE. 105 MERCER ISLAND, WA 980403700 | $74K |
| OLYMPIC CREST INSURANCE, INC. EIN 91-1717576 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 2538 GIG HARBOR, WA 983354538 | $72K |
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 701 B ST 6TH FLOOR SAN DIEGO, CA 921018156 | $71K |
| ASSUREDPARTNERS OF WA LLC EIN 38-3942963 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1325 4TH AVE, SUITE 2100 SEATTLE, WA 98101 | $70K |
| 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 | 8460 BENOTHO PLACE MERCER ISLAND, WA 98040 | $63K |
| SPRAGUE ISRAEL GILES INSURANCE, INC EIN 91-0683304 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 1501 FOURTH AVENUE, SUITE 730 SEATTLE, WA 981013624 | $57K |
| 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 | 124 E PENNEY ROAD, SUITE 101 WENATCHEE, WA 988018113 | $56K |
| DAVIS WRIGHT TREMAINE, LLP EIN 91-0839480 NONE | Consulting (general); Legal; Direct payment from the plan Service code 16 | 920 FIFTH AVENUE, SUITE 3300 SEATTLE, WA 981041610 | $53K |
| TACOMA-PIERCE COUNTY CHAMBER EIN 91-0434830 NONE | Other fees; Direct payment from the plan; Participant communication; Finders' fees / placement fees; Other services Service code 38 | 950 PACIFIC AVE 300 TACOMA, WA 98402 | $50K |
| TERRILL LEWIS & WILKE INSURANCE EIN 91-1337671 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 112 SOUTH 4TH ST YAKIMA, WA 989012902 | $46K |
| MIKE JAPHET EIN 83-1249220 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2637 12TH CT SW OLYMPIA, WA 985021118 | $46K |
| RIVERSIDE EMPLOYEE BENEFITS, LLC EIN 84-3461477 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 17322 107TH PT NE BOTHELL, WA 98011 | $42K |
| KRISTIN MANWARING INSURANCE ASSOC. EIN 20-4650764 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2300 S PARK AVENUE PORT TOWNSEND, WA 983682275 | $41K |
| VAULT INS DBA CORNERSTONE FINANCIAL EIN 26-3980956 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 17422 108TH AVE SE, STE 200 RENTON, WA 980555400 | $40K |
| PSG WASHINGTON, INC. EIN 20-2040193 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | P.O. BOX 387 EVERETT, WA 982060387 | $39K |
| ADVISOR SERVICES, LLC EIN 20-1466523 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 21905 64TH AVE W, SUITE 301 MOUNTLAKE TERRACE, WA 980432251 | $39K |
| 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 | $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 | P.O. BOX 1777 EDMONDS, WA 980201777 | $38K |
| MANNA INSURANCE GROUP, LLC EIN 47-5506402 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 1706 FRONT ST, PMB 794 LYNDEN, WA 98264 | $37K |
| BROWN & BROWN OF WASHINGTON, INC. EIN 91-0378940 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 1501 4TH AVE, SUITE 2400 SEATTLE, WA 981013631 | $37K |
| 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 | 4620 200TH ST SW, SUITE H LYNNWOOD, WA 98036 | $34K |
| B & F INSURANCE, LLC EIN 35-2384961 NONE | Accounting (including auditing); Direct payment from the plan; Insurance brokerage commissions and fees Service code 10 | 2212 QUEEN ANNE AVE N, STE 502 SEATTLE, WA 981092312 | $34K |
| COORDINATED BENEFITS DBA BASIN PACI EIN 27-1158624 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 6816 WEST RIO GRANDE AVE, STE C120 KENNEWICK, WA 99336 | $34K |
| TRUE BENEFITS LLC EIN 91-2034415 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 1325 4TH AVE, SUITE 1900 SEATTLE, WA 98101 | $34K |
| HR RESOURCE, INC. EIN 58-2671516 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 18122 HWY 9 SE, SUITE B103 SNOHOMISH, WA 98296 | $33K |
| SAPPER INSURANCE, LLC EIN 84-3132250 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 1315 11TH CT SW NORTH BEND, WA 98045 | $33K |
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 | 13,041 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 13,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 14,520 | $72.6M |
| Dental | DELTA DENTAL OF WASHINGTON | 10,547 | $5.1M |
| Vision | VISION SERVICE PLAN | 6,706 | $536K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 9,941 | $355K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 9,941 | $355K |
| Prescription drug | PREMERA BLUE CROSS | 14,520 | $72.6M |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 9,941 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,520 | — |
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.