| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STILLWATER BENEFITS LLC3 | — | REGENCE BLUESHIELD | $3K | — | $3K | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON | — | REGENCE BLUESHIELD | $2K | — | $2K | 0.04% |
| J FRANKLAND EMPLOYEE BENEFIT SVCS.3 Filed as: J FRANKLAND EMPLOYEE BENEFITS SVCS | — | REGENCE BLUESHIELD | $1K | — | $1K | 0.03% |
| CLEARWATER BENEFITS LLC3 Filed as: CLEARWATER INSURANCE SERVICES INC | — | REGENCE BLUESHIELD | $1K | — | $1K | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | — | REGENCE BLUESHIELD | $1K | — | $1K | 0.03% |
| MADDOCK & ASSOCIATES LLC3 Filed as: MADDOCK & ASSOCIATES | — | REGENCE BLUESHIELD | $1K | — | $1K | 0.02% |
| BELL-ANDERSON AGENCY INC3 | — | REGENCE BLUESHIELD | $1K | — | $1K | 0.02% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS FRASER & ASSOCIATES INC | — | REGENCE BLUESHIELD | $980 | — | $980 | 0.02% |
| BENSLER LLC3 | — | REGENCE BLUESHIELD | $680 | — | $680 | 0.01% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | — | REGENCE BLUESHIELD | $660 | — | $660 | 0.01% |
| LIBAO, DAVID J3 | — | REGENCE BLUESHIELD | $480 | — | $480 | 0.01% |
| JEFF DALABA3 Filed as: JEFF HOLMAN INSURANCE | — | REGENCE BLUESHIELD | $280 | — | $280 | 0.01% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN MANWARING INSURANCE ASSOCIA | — | REGENCE BLUESHIELD | $260 | — | $260 | 0.01% |
| SOUND BENEFIT SERVICES INC3 | — | REGENCE BLUESHIELD | $200 | — | $200 | 0.00% |
| GHB INC3 | — | REGENCE BLUESHIELD | $180 | — | $180 | 0.00% |
| LLOYDS LIFE SALES INC3 | — | REGENCE BLUESHIELD | $140 | — | $140 | 0.00% |
| R.L. EVANS COMPANY, INC.3 Filed as: R L EVANS COMPANY INC | — | REGENCE BLUESHIELD | $140 | — | $140 | 0.00% |
| THE VITOLO COMPANY3 | — | REGENCE BLUESHIELD | $140 | — | $140 | 0.00% |
| STONEBRAKER MCQUARY AGENCY GROUP IN3 Filed as: STONEBRAKER MCQUARY AGENCY GROUP | — | ASURIS NORTHWEST HEALTH | — | $1K | $1K | 0.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | — | ASURIS NORTHWEST HEALTH | — | $120 | $120 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AIMS EIN 91-1485366 | Plan Administrator Service code 14 | 1206 N LINCOLN SUITE 200 SPOKANE, WA 99201 | $259K |
| ABD INSURANCE AND FINANCIAL SERVICE EIN 27-0673528 | Consulting (general) Service code 16 | 3 WATERS PARK DR STE 100 SAN MATEO, CA 94403 | $130K |
| STILLWATER BENEFITS, LLC EIN 47-4944052 | Insurance agents and brokers Service code 22 | 23515 NE NOVELTY HILL B21 MERCER ISLAND, WA 98053 | $48K |
| CLEARVIEW INSURANCE SERVICES INC. EIN 46-0598462 | Insurance agents and brokers Service code 22 | 1420 NW GILMAN BLVD 2116 ISSAQUAH, WA 98027 | $28K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 | Insurance agents and brokers Service code 22 | 501 N RIVERPOINT, STE 403 SPOKANE, WA 99202 | $26K |
| CENTURY INSURANCE GROUP, LLC EIN 91-1193195 | Insurance agents and brokers Service code 22 | 572 SW BLUFF DR, STE 100 BEND, OR 97702 | $26K |
| BROWN & BROWN OF WA EIN 91-0378940 | Insurance agents and brokers Service code 22 | 1501 4TH AVE, SUITE 2400 SEATTLE, WA 98101 | $20K |
| CUMMINGS, FRASER ASSOCIATES, LLC EIN 68-0609841 | Insurance agents and brokers Service code 22 | 3201 FIRST AVE, SUITE 108 SEATTLE, WA 98134 | $19K |
| MADDOCK & ASSOCIATES EIN 91-1280409 | Insurance agents and brokers Service code 22 | 1407 WILLOW ROAD E STE C FIFE, WA 98424 | $19K |
| HUB INTERNATIONAL EIN 91-2036015 | Insurance agents and brokers Service code 22 | 12100 NE 195TH ST SUITE B BOTHELL, WA 98011 | $18K |
| PUGET SOUND BENEFIT SERVICES EIN 46-3291059 | Insurance agents and brokers Service code 22 | 601 UNION ST STE 2500 SEATTLE, WA 98101 | $14K |
| STONEBRAKER MCQUARY INSURANCE EIN 91-1665933 | Insurance agents and brokers Service code 22 | 616 5TH STREET CLARKSTON, WA 99402 | $14K |
| BELL-ANDERSON AGENCY, INC. EIN 91-0756278 | Insurance agents and brokers Service code 22 | 600 SW 39TH ST, SUITE 200 RENTON, WA 98057 | $13K |
| DINGUS, ZARECOR & ASSOCIATES PLLC EIN 20-0079326 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 12015 EAST MAIN SPOKANE VALLEY, WA 99206 | $13K |
| ALLIANT INSURANCE SERVICES INC. EIN 33-0785439 | Insurance agents and brokers Service code 22 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | $8K |
| LEAVITT GROUP NORTHWEST EIN 91-1366133 | Insurance agents and brokers Service code 22 | P O BOX 65770 UNIVERSITY PLACE, WA 98464 | $8K |
| LARRY BARKEN | Insurance agents and brokers Service code 22 | 81580 RANCHO SANTANA DRIV LAQUINTA, CA 92253 | $7K |
| THE VITOLO COMPANY EIN 91-2032673 | Insurance agents and brokers Service code 22 | 1201 1ST AVE SOUTH SUITE SEATTLE, WA 98134 | $6K |
| KRISTIN MANWARING INS ASSOC INC EIN 20-4650764 | Insurance agents and brokers Service code 22 | 2300 S PARK AVE PORT TOWNSEND, WA 98368 | $6K |
| JEFF HOLMAN INSURANCE, INC. EIN 91-1646008 | Insurance agents and brokers Service code 22 | PO BOX 1226 CHEHALIS, WA 98532 | $5K |
| ARDENT BENEFITS CORP. EIN 27-1788196 | Insurance agents and brokers Service code 22 | PO BOX 15852 SEATTLE, WA 98115 | $5K |
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 | 1,148 | 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) | 1,148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 1,071 | $5.4M |
| Dental | DELTA DENTAL OF WASHINGTON | 376 | $164K |
| Vision | VISION SERVICE PLAN | 370 | $27K |
| Life insurance | STANDARD INSURANCE COMPANY | 605 | $27K |
| Short-term disability | STANDARD INSURANCE COMPANY | 11 | $8K |
| Long-term disability | STANDARD INSURANCE COMPANY | 11 | $4K |
| Prescription drug(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 1,071 | $5.4M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 1,071 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,071 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.