| 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 | $349 | — | $349 | 15.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABD INSURANCE & FINANCIAL SERVICES, EIN 27-0672528 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Insurance brokerage commissions and fees; Direct payment from the plan; Consulting fees; Insurance agents and brokers; Finders' fees / placement fees; Consulting (general) Service code 15 | — | $4.0M |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Recordkeeping fees; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Copying and duplicating; Contract Administrator; Accounting (including auditing) Service code 10 | — | $2.7M |
| SEATTLE METROPOLITAN CHAMBER OF COM EIN 91-0402330 TRUST SETTLOR | Other services; Direct payment from the plan; Other fees; Finders' fees / placement fees; Participant communication Service code 38 | — | $1.5M |
| IMPACT ACCOUNTING SERVICES, LLC EIN 45-2647626 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Other services; Direct payment from the plan; Consulting fees; Insurance agents and brokers; Recordkeeping fees; Contract Administrator; Consulting (general) Service code 13 | — | $1.5M |
| DIGITAL INSURANCE, INC. EIN 58-2522668 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $878K |
| HUB INTERNATIONAL NORTHWEST, LLC EIN 91-2036015 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $614K |
| PARKER, SMITH AND FEEK, INC. EIN 91-0660018 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $495K |
| ARMFIELD, HARRISON & THOMAS TECH EIN 54-0654623 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $476K |
| PCF INSURANCE SERVICES OF THE WEST EIN 82-1368960 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $261K |
| JS EVENSON, LLC EIN 84-3523489 NONE | Consulting fees; Consulting (general); Direct payment from the plan Service code 16 | — | $256K |
| 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 | — | $247K |
| ACRISURE NW PARTNERS INSURANCE SERV EIN 92-1242214 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $242K |
| SAPPER INSURANCE, LLC EIN 84-3132250 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $232K |
| 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 | — | $202K |
| MADDOCK & ASSOCIATES, LLC EIN 83-2655931 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $196K |
| 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 | — | $194K |
| 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 | — | $140K |
| 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 | — | $129K |
| MARSH USA, INC. EIN 26-3237576 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $121K |
| CUMMINGS, FRASER & ASSOCIATES, LLC EIN 68-0609841 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $111K |
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 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 | 701 B ST., 6TH FLOOR SAN DIEGO, CA 921018156 | $97K |
| 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 | — | $86K |
| BROWN & BROWN INSURANCE SERVICES, I EIN 59-0691921 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $85K |
| DAVIS WRIGHT TREMAINE, LLP EIN 91-0839480 NONE | Consulting (general); Legal; Direct payment from the plan Service code 16 | — | $84K |
| MIKE JAPHET EIN 83-1249220 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $83K |
| USI NORTHWEST EIN 91-1176315 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $81K |
| TACOMA-PIERCE COUNTY CHAMBER EIN 91-0434830 NONE | Other fees; Finders' fees / placement fees; Other services; Direct payment from the plan; Participant communication Service code 38 | — | $79K |
| WALLINGFORD FINANCIAL AND COLLEGE P EIN 71-0907082 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $79K |
| 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 | — | $77K |
| AFFILIATED SERVICES, LLC EIN 30-0663844 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $77K |
| TERRILL LEWIS AND WILKE INSURANCE EIN 91-1337671 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $77K |
| 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 | — | $71K |
| PRO BENEFITS OF WASHINGTON, LLC EIN 27-5039273 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $70K |
| PAYCHEX INSURANCE AGENCY, INC. EIN 16-1528391 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $70K |
| AUKEMA & ASSOCIATES, INC. (RAEL & L EIN 94-1701048 NONE | Direct payment from the plan; Consulting fees; Other services; Consulting (general) Service code 16 | — | $64K |
| OAK INSURANCE SERVICES, LLC EIN 82-2693857 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $59K |
| TRUEBENEFITS LLC EIN 91-2034415 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $58K |
| PILKEY HOPPING & EKBERG, INC. EIN 91-1050022 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $58K |
| ESSENTIAL BENEFITS, LLC EIN 45-5125484 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $58K |
| GALLAGHER BENEFITS SERVICES, INC. EIN 36-4291971 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $57K |
| VAULT INSURANCE & INVESTMENTS, LLC EIN 26-3980956 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $52K |
| ADVISOR SERVICES, LLC EIN 20-1466523 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $49K |
| BEHAVORIAL HEALTH SYSTEMS, INC. EIN 63-1007625 NONE | Contract Administrator; Claims processing; Insurance brokerage commissions and fees; Non-monetary compensation; Other services; Direct payment from the plan; Float revenue Service code 12 | — | $49K |
| B&F INSURANCE, LLC EIN 35-2384961 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $46K |
| RIVERSIDE EMPLOYEE BENEFITS, LLC EIN 84-3461477 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $45K |
| PROPEL INSURANCE AGENCY, LLC EIN 91-0830024 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $45K |
| M&O AGENCIES DBA THE MAHONEY GRP EIN 86-6050329 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $43K |
| HR RESOURCE, INC. EIN 58-2671516 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $41K |
| NORTHWEST BENEFIT SOLUTIONS EIN 20-8940996 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $41K |
| FINANCIAL PLANNING CONCEPTS, INC. EIN 91-0986247 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $41K |
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 | 16,967 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 17,169 | $100.7M |
| Dental | DELTA DENTAL OF WASHINGTON | 16,057 | $7.8M |
| Vision | VISION SERVICE PLAN | 10,037 | $781K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 13,988 | $593K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 13,988 | $593K |
| Prescription drug | PREMERA BLUE CROSS | 17,169 | $100.7M |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 13,988 | $596K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,169 | — |
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.