| 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 | $322 | — | $322 | 16.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABD INSURANCE & FINANCIAL SERVICES, EIN 27-0673528 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers; Consulting fees; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Finders' fees / placement fees Service code 15 | 777 MARINERS ISLAND BLVD, SUITE 250 SAN MATEO, CA 94404 | $3.0M |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Copying and duplicating; Accounting (including auditing); Recordkeeping fees; Participant communication Service code 10 | P.O. BOX 6 MUKILTEO, WA 982750006 | $2.1M |
| SEATTLE METROPOLITAN CHAMBER OF COM EIN 91-0402330 TRUST SETTLOR | Participant communication; Direct payment from the plan; Finders' fees / placement fees; Other services; Other fees Service code 38 | 1301 5TH AVE 1500 SEATTLE, WA 981012632 | $1.1M |
| 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 | 20 SOUTH KING STREET LEESBURG, VA 20175 | $659K |
| DIGITAL INSURANCE, INC EIN 58-2522668 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | $526K |
| IMPACT ACCOUNTING SERVICES, LLC EIN 45-2647626 NONE | Direct payment from the plan; Consulting fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Insurance agents and brokers; Insurance services; Contract Administrator Service code 13 | 1315 11TH COURT SW NORTH BEND, WA 98045 | $474K |
| 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 | $470K |
| HUB INTERNATIONAL NW, LLC EIN 91-2036015 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 | $415K |
| PARKER, SMITH & FEEK, INC. EIN 91-0660018 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 2233 112TH AVENUE NE BELLEVUE, WA 980042936 | $271K |
| 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 | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | $195K |
| EBENEFITS CONSULTING GROUP, LLC EIN 20-8629593 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | P.O. BOX 359 BLACK DIAMOND, WA 980100359 | $145K |
| JS EVENSON, LLC EIN 84-3523489 NONE | Consulting fees; Consulting (general); Direct payment from the plan Service code 16 | 10 SISTERS LANE SEQUIM, WA 983827357 | $133K |
| 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 | 141 W JACKSON BLVD, STE 1000 CHICAGO, IL 606042992 | $132K |
| 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 | P.O. BOX 10088 YAKIMA, WA 98909 | $130K |
| AXIS INSURANCE DBA CONOVER INSURANC EIN 91-1953703 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | P.O. BOX 90007 BELLEVUE, WA 980099007 | $125K |
| 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 | $121K |
| WHITFIELDS UNITED INSURANCE AGENCIE EIN 91-1366133 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | P.O. BOX 833 AUBURN, WA 98071 | $118K |
| THE VITOLO COMPANY EIN 91-2032673 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 1201 FIRST AVENUE S, SUITE 306 SEATTLE, WA 981341234 | $112K |
| PAYNEWEST INSURANCE, INC. EIN 36-1436000 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | P.O. BOX 4386 MISSOULA, MT 598064386 | $104K |
| BTG AND ASSOCIATES DBA BTG BENEFITS EIN 84-3131974 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 345 118TH AVE SE, STE 210 BELLEVUE, WA 98005 | $103K |
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 701 B ST 6TH FLOOR SAN DIEGO, CA 921018156 | $98K |
| WELLSPRING FAMILY SERVICES EAP EIN 91-0567261 NONE | Direct payment from the plan; Plan Administrator; Claims processing Service code 12 | 1900 RAINIER AVENUE SOUTH SEATTLE, WA 98144 | $91K |
| OLYMPIC CREST INSURANCE, INC. EIN 91-1717576 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | P.O. BOX 2538 GIG HARBOR, WA 983354538 | $81K |
| GHB INSURANCE, INC. EIN 91-0756278 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | $79K |
| 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 | $75K |
| ASSUREDPARTNERS OF WA LLC EIN 38-3942963 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 1325 4TH AVE, SUITE 2100 SEATTLE, WA 98101 | $75K |
| MICHAEL BENZIKRY & ASSOCIATES EIN 91-1889320 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 | $74K |
| 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 | $74K |
| 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 | $71K |
| 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 | 8460 BENOTHO PLACE MERCER ISLAND, WA 98040 | $68K |
| 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 | 950 PACIFIC AVE 300 TACOMA, WA 98402 | $56K |
| 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 | $54K |
| RICE INSURANCE, LLC EIN 91-1746907 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | P.O. BOX 639 BELLINGHAM, WA 98227 | $52K |
| 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 | $51K |
| 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 | $50K |
| 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 | $50K |
| BELL ANDERSON DBA INSURANCE RESOURC 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 | $49K |
| BENSLER, LLC DBA SOUND CONSULTING S EIN 71-1004774 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 200 112TH AVE NE, SUITE 205 BELLEVUE, WA 980045812 | $48K |
| VAULT INSURANCE & INVESTMENTS, LLC EIN 26-3980956 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 16400 SOUTHCENTER PKWY, STE 406 TUKWILA, WA 98188 | $44K |
| BENEFIT DESIGN SERVICES, LLC EIN 27-3460566 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 4620 200TH ST SW, SUITE H LYNNWOOD, WA 98036 | $42K |
| RIVERSIDE EMPLOYEE BENEFITS, LLC EIN 84-3461477 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 17322 107TH PT NE BOTHELL, WA 98011 | $39K |
| TRUTINA FINANCIAL, LLC EIN 47-0995939 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 10811 MAIN STREET BELLEVUE, WA 98004 | $38K |
| PROFESSIONAL BENEFIT SERVICES, INC. EIN 91-1702951 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 7345 164TH AVE NE, STE 1145-1352 REDMOND, WA 980527615 | $38K |
| BENEFITS DIVISION, LLC EIN 26-3884950 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | P.O. BOX 726 QUINCY, WA 98848 | $38K |
| TRUEBENEFITS LLC EIN 91-2034415 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1325 4TH AVE, SUITE 1900 SEATTLE, WA 98101 | $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 | $36K |
| DC BENEFITS, INC. EIN 20-5849711 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 15375 SE 30TH PL, SUITE 350 BELLEVUE, WA 980076551 | $35K |
| B & F INSURANCE, LLC EIN 35-2384961 NONE | Accounting (including auditing); Insurance brokerage commissions and fees; Direct payment from the plan Service code 10 | 2212 QUEEN ANNE AVE N, STE 502 SEATTLE, WA 981092312 | $35K |
| BROWN & BROWN OF WASHINGTON, INC. EIN 91-0378940 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 800 5TH AVE, SUITE 2400 SEATTLE, WA 98104 | $31K |
| M&O AGENCIES DBA THE MAHONEY GROUP EIN 86-6050329 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 1835 S EXTENSION RD MESA, AZ 852105942 | $30K |
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 | 14,156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 14,156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 17,003 | $80.5M |
| Dental | DELTA DENTAL OF WASHINGTON | 9,248 | $4.4M |
| Vision | VISION SERVICE PLAN | 7,464 | $605K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 11,148 | $402K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 11,148 | $402K |
| Prescription drug | PREMERA BLUE CROSS | 17,003 | $80.5M |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 11,148 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,003 | — |
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.