| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAD MURRAY3 Filed as: CHAD R. MURRAY | PO BOX 3725 COEUR D ALENE, ID 83816 | UNITED HERITAGE LIFE INSURANCE COMPANY | $401K | $0 | $401K | 8.66% |
| NELLIE ARMSTRONG3 | PO BOX 3725 COEUR D ALENE, ID 83816 | NORTHWEST DENTAL BENEFITS, LLC | $47K | $0 | $47K | 7.22% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 3725 COEUR D ALENE, ID 83816 | WILLAMETTE DENTAL GROUP | $15K | $0 | $15K | 2.31% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 3725 COEUR D ALENE, ID 83816 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $18K | $45K | 40.13% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $5K | $7K | 6.41% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $7K | 5.94% |
| GABRIEL ANGEL CANALS3 | 1549 NW CIVIC DRIVE, APARTMENT 204 GRESHAM, OR 97030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $921 | $923 | $2K | 1.65% |
| KACI LEE BISHOP3 | 16511 EAST SPRAGUE AVENUE, UNIT F5 SPOKANE VALLEY, WA 99037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $79 | $1K | 1.23% |
| ROXANA BUSCHMAN3 Filed as: ROXANA BUSCHMAN OTHER AGENT | 400 NE, 149TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $938 | $27 | $965 | 0.87% |
| DAVIS KINNEY3 | 802 NEVADA DRIVE LONGVIEW, WA 98632 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $605 | $247 | $852 | 0.76% |
No Schedule C service providers reported on this filing.
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 | 3,597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | NORTHWEST DENTAL BENEFITS, LLC | 1,539 | $1.3M |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 3,622 | $4.6M |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 3,622 | $4.6M |
| Short-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 3,622 | $4.6M |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 3,622 | $4.6M |
| Other(3 contracts, 3 carriers) | UNITED HERITAGE LIFE INSURANCE COMPANY | 3,622 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,622 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.