| 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 | $425 | — | $425 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABD INSURANCE & FINANCIAL SERVICES, EIN 27-0673528 NONE | Direct payment from the plan; Consulting fees; Finders' fees / placement fees; Insurance brokerage commissions and fees; Insurance agents and brokers; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $3.3M |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Copying and duplicating; Direct payment from the plan; Contract Administrator; Participant communication; Recordkeeping fees Service code 10 | — | $2.2M |
| SEATTLE METROPOLITAN CHAMBER OF COM EIN 91-0402330 TRUST SETTLOR | Finders' fees / placement fees; Participant communication; Other fees; Direct payment from the plan; Other services Service code 38 | — | $1.2M |
| IMPACT ACCOUNTING SERVICES, LLC EIN 45-2647626 NONE | Consulting fees; Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Recordkeeping fees; Insurance services; Contract Administrator Service code 13 | — | $1.2M |
| DIGITAL INSURANCE, INC EIN 58-2522668 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $791K |
| 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 | — | $702K |
| AH&T TECHNOLOGY, INC. EIN 54-0654623 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $420K |
| PARKER, SMITH & FEEK, INC. EIN 91-0660018 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $314K |
| 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 | — | $308K |
| JS EVENSON, LLC EIN 84-3523489 NONE | Consulting (general); Direct payment from the plan; Consulting fees Service code 16 | — | $188K |
| PCF INSURANCE SERVICES OF THE WEST EIN 82-1368960 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $167K |
| ASSUREDPARTNERS OF WA LLC EIN 38-3942963 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $166K |
| BTG AND ASSOCIATES DBA BTG BENEFITS EIN 84-3131974 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $153K |
| SAPPER INSURANCE, LLC EIN 84-3132250 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $152K |
| MADDOCK & ASSOCIATES, LLC EIN 83-2655931 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $136K |
| WHITFIELDS UNITED INSURANCE AGENCIE EIN 91-1366133 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $113K |
| PAYNEWEST INSURANCE, INC., A MARSH EIN 26-3237576 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $98K |
| AUKEMA & ASSOCIATES, INC. EIN 94-1701048 NONE | Other services; Consulting fees; Consulting (general); Direct payment from the plan Service code 16 | — | $92K |
| GHB INSURANCE, INC. EIN 91-0756278 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $88K |
| BROWN & BROWN OF WASHINGTON, INC. EIN 91-0378940 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $86K |
| MIKE JAPHET EIN 83-1249220 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $84K |
| 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 | — | $77K |
| 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 | — | $77K |
| 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 | — | $74K |
| 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 | — | $70K |
| VAULT INSURANCE & INVESTMENTS, LLC EIN 26-3980956 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $69K |
| AFFILIATED SERVICES, LLC EIN 30-0663844 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $68K |
| DAVIS WRIGHT TREMAINE, LLP EIN 91-0839480 NONE | Consulting (general); Legal; Direct payment from the plan Service code 16 | — | $66K |
| GROUP SOLUTIONS NORTHWEST, LLC EIN 91-2158338 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $65K |
| USI NORTHWEST EIN 91-1176315 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $64K |
| 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 | — | $63K |
| CUMMINGS, FRASER & ASSOCIATES,, LLC EIN 68-0609841 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $62K |
| TACOMA-PIERCE COUNTY CHAMBER EIN 91-0434830 NONE | Other fees; Participant communication; Direct payment from the plan; Other services; Finders' fees / placement fees Service code 38 | — | $56K |
| 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 | — | $54K |
| TRUEBENEFITS LLC EIN 91-2034415 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $53K |
| PAYCHEX INSURANCE AGENCY, INC. EIN 16-1528391 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $49K |
| WALLINGFORD FINANCIAL & COLLEGE EIN 71-0907082 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $46K |
| B & F INSURANCE, LLC EIN 35-2384961 NONE | Insurance brokerage commissions and fees; Accounting (including auditing); Direct payment from the plan Service code 10 | — | $45K |
| ADVISOR SERVICES, LLC EIN 20-1466523 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $44K |
| MICHAEL BENZIKRY & ASSOCIATES EIN 91-1889320 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $42K |
| 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 | — | $40K |
| FINANCIAL PLANNING CONCEPTS, INC EIN 91-0986247 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $40K |
| M&O AGENCIES DBA THE MAHONEY GROUP EIN 86-6050329 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $38K |
| WMC BUSINESS SERVICES, LLC EIN 20-4826909 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $38K |
| SCHOEDEL & SCHOEDEL, CPAS, PLLC EIN 91-0614823 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $37K |
| 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 | — | $35K |
| CASCADE VALLEY INSURANCE, INC. EIN 82-0979448 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $35K |
| MITCHELL, REED & SCHMITTEN INS, INC EIN 91-1745509 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $34K |
| 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 | — | $34K |
| IDEAL BENEFIT SOLUTIONS, LLC EIN 82-5190827 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $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 | 16,388 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 17,145 | $86.2M |
| Dental | DELTA DENTAL OF WASHINGTON | 15,586 | $6.8M |
| Vision | VISION SERVICE PLAN | 9,694 | $689K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 12,040 | $414K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 12,040 | $414K |
| Prescription drug | PREMERA BLUE CROSS | 17,145 | $86.2M |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 12,040 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,145 | — |
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.