| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON-SEATTLE | — | REGENCE BLUESHIELD | $2K | — | $2K | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | — | REGENCE BLUESHIELD | $1K | — | $1K | 0.03% |
| WHITFIELDS UNITED INSURANCE AGENCIE3 | — | REGENCE BLUESHIELD | $860 | — | $860 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON-TACOMA | — | REGENCE BLUESHIELD | $780 | — | $780 | 0.02% |
| J FRANKLAND EMPLOYEE BENEFIT SVCS.3 Filed as: J FRANKLAND EMPLOYEE BENEFIT SVCS | — | REGENCE BLUESHIELD | $700 | — | $700 | 0.02% |
| FORTIPHI LLC3 | — | REGENCE BLUESHIELD | $540 | — | $540 | 0.01% |
| EBENEFITS INSURANCE LLC3 | — | REGENCE BLUESHIELD | $380 | — | $380 | 0.01% |
| BENSLER LLC3 | — | REGENCE BLUESHIELD | $300 | — | $300 | 0.01% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L MAY & ASSOCIATES INC | — | REGENCE BLUESHIELD | $280 | — | $280 | 0.01% |
| VAULT INSURANCE & INVESTMENTS LLC3 | — | REGENCE BLUESHIELD | $240 | — | $240 | 0.01% |
| BTG AND ASSOCIATES LLC3 | — | REGENCE BLUESHIELD | $220 | — | $220 | 0.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS FRASER & ASSOCIATES INC | — | REGENCE BLUESHIELD | $80 | — | $80 | 0.00% |
| STONEBRAKER MCQUARY AGENCY GROUP IN3 Filed as: STONEBRAKER MCQUARY AGENCY GROUP | — | ASURIS NORTHWEST HEALTH | $1K | — | $1K | 0.22% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC - SPOKANE | — | ASURIS NORTHWEST HEALTH | $920 | — | $920 | 0.19% |
| BTG AND ASSOCIATES LLC3 | — | ASURIS NORTHWEST HEALTH | $240 | — | $240 | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | — | STANDARD INSURANCE COMPANY | $266 | — | $266 | 1.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AIMS EIN 91-1485366 MEMBER ORGANIZATION | Contract Administrator Service code 13 | 1206 N LINCOLN SUITE 200 SPOKANE, WA 99201 | $192K |
| ABD INSURANCE AND FINANCIAL SERVICE EIN 27-0673528 | Consulting (general) Service code 16 | 3 WATERS PARK DR STE 100 SAN MATEO, CA 94403 | $118K |
| CONOVER INSURANCE | Insurance agents and brokers Service code 22 | PO BOX 10088 YAKIMA, WA 98908 | $60K |
| AIIN EIN 91-0131100 MEMBER ORGANIZATION | Other services Service code 49 | 1206 N LINCOLN SUITE 200 SPOKANE, WA 99201 | $44K |
| BROWN & BROWN OF WA EIN 91-0378940 | Insurance agents and brokers Service code 22 | 1501 4TH AVE, SUITE 2400 SEATTLE, WA 98101 | $26K |
| HUB INTERNATIONAL EIN 91-2036015 | Insurance agents and brokers Service code 22 | 12100 NE 195TH ST SUITE B BOTHELL, WA 98011 | $24K |
| CENTURY INSURANCE GROUP, LLC EIN 91-1193195 | Insurance agents and brokers Service code 22 | 572 SW BLUFF DR, STE 100 BEND, OR 97702 | $23K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 | Insurance agents and brokers Service code 22 | 501 N RIVERPOINT, STE 403 SPOKANE, WA 99202 | $23K |
| STONEBRAKER MCQUARY INSURANCE EIN 91-1665933 | Insurance agents and brokers Service code 22 | 616 5TH STREET CLARKSTON, WA 99402 | $15K |
| FORTIPHI, LLC EIN 91-1743499 | Insurance agents and brokers Service code 22 | PO BOX 1547 MOUNT VERNON, WA 98273 | $15K |
| DINGUS, ZARECOR & ASSOCIATES PLLC EIN 20-0079326 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 12015 EAST MAIN SPOKANE VALLEY, WA 99206 | $14K |
| PUGET SOUND BENEFIT SERVICES EIN 46-3291059 | Insurance agents and brokers Service code 22 | 601 UNION ST STE 2500 SEATTLE, WA 98101 | $14K |
| CLEARVIEW INSURANCE SERVICES INC. EIN 46-0598462 | Insurance agents and brokers Service code 22 | 1420 NW GILMAN BLVD 2116 ISSAQUAH, WA 98027 | $13K |
| KELLER ROHRBACK LLP EIN 91-0563405 INDEPENDENT FIDUCIARY | Trustee (discretionary) Service code 24 | 1202 3RD AVENUE STE 3200 SEATTLE, WA 98101 | $12K |
| NFP PROPERTY & CASUALTY SERVICES IN | Insurance agents and brokers Service code 22 | 8201 N HAYDEN ROAD SCOTTSDALE, AZ 85258 | $11K |
| ALLIANT INSURANCE SERVICES INC. EIN 33-0785439 | Insurance agents and brokers Service code 22 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | $10K |
| THE PARTNERS GROUP FIDELITY BOND | Insurance services Service code 23 | 11125 SE 6TH ST SOUTE 110 BELLEVUE, WA 98004 | $9K |
| LEAVITT GROUP NORTHWEST EIN 91-1366133 | Insurance agents and brokers Service code 22 | P O BOX 65770 UNIVERSITY PLACE, WA 98464 | $9K |
| DEGGINGER MC INTOSH & ASSOC LLC EIN 91-0751907 | Insurance agents and brokers Service code 22 | PO BOX 1400 MUKILTEO, WA 98275 | $8K |
| THE VITOLO COMPANY EIN 91-2032673 | Insurance agents and brokers Service code 22 | 1201 1ST AVE SOUTH SUITE SEATTLE, WA 98134 | $7K |
| SOUND CONSULTING SERVICES EIN 71-1004774 | Insurance agents and brokers Service code 22 | 200 112TH AVE NE STE 205 BOTHELL, WA 98004 | $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 | 1,049 | 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) | 1,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 925 | $4.9M |
| Dental | DELTA DENTAL OF WASHINGTON | 425 | $207K |
| Vision | VISION SERVICE PLAN | 359 | $24K |
| Life insurance | STANDARD INSURANCE COMPANY | 547 | $25K |
| Short-term disability | STANDARD INSURANCE COMPANY | 6 | $4K |
| Long-term disability | STANDARD INSURANCE COMPANY | 7 | $2K |
| Prescription drug(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 925 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 925 | — |
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.