| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA - TACOMA | — | REGENCE BLUESHIELD | $2K | — | $2K | 0.01% |
| CLEARVIEW INSURANCE SERVICES INC.3 | — | REGENCE BLUESHIELD | $720 | — | $720 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTL NW LLC - SPOKANE | — | REGENCE BLUESHIELD | $660 | — | $660 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | — | REGENCE BLUESHIELD | $540 | — | $540 | 0.00% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSUR SVCS OF THE WEST LLC BELL | — | REGENCE BLUESHIELD | $480 | — | $480 | 0.00% |
| BTG AND ASSOCIATES LLC3 | — | REGENCE BLUESHIELD | $400 | — | $400 | 0.00% |
| WHITFIELDS UNITED INSURANCE AGENCIE3 | — | REGENCE BLUESHIELD | $340 | — | $340 | 0.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS FRASER & ASSOCIATES LLC. | — | REGENCE BLUESHIELD | $320 | — | $320 | 0.00% |
| R.L. EVANS COMPANY, INC.3 Filed as: R L EVANS COMPANY INC. | — | REGENCE BLUESHIELD | $280 | — | $280 | 0.00% |
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE SERVICES LLC. | — | REGENCE BLUESHIELD | $180 | — | $180 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC SEA | — | REGENCE BLUESHIELD | $40 | — | $40 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AIMS EIN 91-1485366 MEMBER ORGANIZATION | Contract Administrator; Other services Service code 13 | 1206 N. LINCOLN SUITE 200 SPOKANE, WA 99201 | $143K |
| ABD INSURANCE AND FINANCIAL SERVICE EIN 27-0673528 GROUP CONSULTING SERVICES | Other services; Consulting (pension) Service code 17 | 450. SANESOME STREET, STE 300 SAN FRANCISCO, CA 94111 | $116K |
| HUB INTERNATIONAL NORTHWEST LLC. EIN 91-2036015 | Insurance agents and brokers Service code 22 | 12100 NE. 195TH ST SUITE B BOTHELL, WA 98011 | $110K |
| AIIN EIN 91-0131100 MEMBER ORGANIZATION | Plan Administrator; Other services Service code 14 | 1206 N. LINCOLN SUITE 200 SPOKANE, WA 99201 | $52K |
| BROWN & BROWN OF WA INC. EIN 91-0378940 | Insurance agents and brokers Service code 22 | 1501 4TH AVE, SUITE 2400 SEATTLE, WA 98101 | $34K |
| PAYNEWEST INSURANCE INC. EIN 81-0479558 | Insurance agents and brokers Service code 22 | 501 N, RIVERPOINT STE. 403 SPOKANE, WA 98101 | $28K |
| CENTURY INSURANCE GROUP, LLC. EIN 91-1193195 | Insurance agents and brokers Service code 22 | 572 SW. BLUFF DR. STE 100 BEND, WA 99202 | $21K |
| THE PARTNERS GROUP FIDELITY BOND | Insurance services; Other services Service code 23 | 11125 SE. 6TH STREET, SUITE 110. BELLEVUE, WA 98004 | $20K |
| CLEARVIEW INSURANCE SERVICES INC, EIN 46-0598462 | Insurance agents and brokers Service code 22 | 1420 NW GILMAN BLVD. 2116 ISSAQUAH, WA 98027 | $20K |
| DINGUS, ZARECOR, & ASSOCIATES PLLC. AUDITOR | Accounting (including auditing); Other services Service code 10 | 12015 EAST MAIN SPOKANE VALLEY, WA 99206 | $15K |
| BTG AND ASSOCIATES EIN 94-3131974 | Insurance agents and brokers Service code 22 | 3120 139TH AVE SE SUITE 5 BEELEVUE, WA 98007 | $10K |
| LEAVITT GROUP NORTHWEST EIN 91-1366133 | Insurance agents and brokers Service code 22 | PO BOX 65770 UNIVERSITY PLACE, WA 98464 | $10K |
| DIGITAL INSURANCE INC. | Insurance agents and brokers Service code 22 | 5713 DR. NW. GIG HARBOUR, WA 983357371 | $9K |
| POINTGUARD FINANCIAL EIN 20-0079326 INSURANCE PROVIDER | Consulting (general); Other services Service code 16 | 420 N. EVERGREEN SUITE 100 SPOKANE VALLEY, WA 99216 | $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 | 579 | 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) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 839 | $20.6M |
| Dental | DELTA DENTAL OF WASHINGTON | 360 | $236K |
| Vision | VISION SERVICE PLAN | 403 | $34K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 630 | $22K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 630 | $22K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 630 | $22K |
| Prescription drug(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 839 | $20.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 839 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.