| 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 | $350K | $0 | $350K | 7.81% |
| ACRISURE LLC3 Filed as: ACRISURE | PO BOX 3725 COEUR DALENE, ID 83816 | NORTHWEST DENTAL BENEFITS, LLC | $57K | $0 | $57K | 6.83% |
| ACRISURE LLC3 Filed as: ACRISURE | PO BOX 3725 COEUR DALENE, ID 83816 | WILLAMETTE DENTAL OF IDAHO, INC. | $12K | $0 | $12K | 1.89% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS INS. SVCS., LLC | 601 EAST FRONT AVENUE, SUITE 502 COEUR D ALENE, ID 83814 | ALLY HEALTH LLC | $148K | — | $148K | 25.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | UNKNOWN CORUR D ALENE, ID 83816 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $148K | $97K | $245K | 46.98% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $34K | $46K | 8.87% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $10K | $29K | 5.48% |
| GABRIEL ANGEL CANALS3 | 1549 NW CIVIC DRIVE, APARTMENT 204 GRESHAM, OR 97030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $8K | $13K | 2.55% |
| KACI LEE BISHOP3 | 16511 EAST SPRAGUE AVENUE, UNIT F5 SPOKANE VALLEY, WA 99037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $351 | $15 | $366 | 0.07% |
| ROXANA BUSCHMAN3 Filed as: ROXANA BUSCHMAN & OTHERS | 400 NE 149TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $357 | $0 | $357 | 0.07% |
| DAVID KINNEY3 | 802 NEVADA DRIVE LONGVIEW, WA 98632 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $152 | $25 | $177 | 0.03% |
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 | 4,134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | NORTHWEST DENTAL BENEFITS, LLC | 1,978 | $1.5M |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 4,134 | $4.5M |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 4,134 | $4.5M |
| Short-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 4,134 | $4.5M |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 4,134 | $4.5M |
| Other(4 contracts, 4 carriers) | UNITED HERITAGE LIFE INSURANCE COMPANY | 4,587 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,587 | — |
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.