| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC SEA | — | REGENCE BLUESHIELD | $3K | — | $3K | 0.10% |
| CLEARVIEW INSURANCE SERVICES INC.3 | — | REGENCE BLUESHIELD | $1K | — | $1K | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | — | REGENCE BLUESHIELD | $1K | — | $1K | 0.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | — | REGENCE BLUESHIELD | $840 | — | $840 | 0.03% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | — | REGENCE BLUESHIELD | $680 | — | $680 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA - TACOMA | — | REGENCE BLUESHIELD | $660 | — | $660 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTL NW LLC - SPOKANE | — | REGENCE BLUESHIELD | $600 | — | $600 | 0.02% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSUR SVCS OF THE WEST LLC BELL | — | REGENCE BLUESHIELD | $480 | — | $480 | 0.02% |
| PRO BENEFITS OF WASHINGTON LLC3 | — | REGENCE BLUESHIELD | $480 | — | $480 | 0.02% |
| CASCADE VALLEY INSURANCE, INC.3 Filed as: CASCADE VALLEY INSURANCE INC | — | REGENCE BLUESHIELD | $440 | — | $440 | 0.02% |
| MADDOCK & ASSOCIATES LLC3 | — | REGENCE BLUESHIELD | $240 | — | $240 | 0.01% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS FRASER & ASSOCIATES LLC. | — | REGENCE BLUESHIELD | $140 | — | $140 | 0.01% |
| KRSITIN MANWARING INSURANCE ASSOCIA3 | — | REGENCE BLUESHIELD | $140 | — | $140 | 0.01% |
| BTG AND ASSOCIATES LLC3 | — | REGENCE BLUESHIELD | — | — | $0 | 0.00% |
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE SERVICES LLC. | — | REGENCE BLUESHIELD | — | — | $0 | 0.00% |
| WHITFIELDS UNITED INSURANCE AGENCIE3 | — | REGENCE BLUESHIELD | — | — | $0 | 0.00% |
| R.L. EVANS COMPANY, INC.3 Filed as: R L EVANS COMPANY INC. | — | REGENCE BLUESHIELD | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AIMS EIN 91-1485366 MEMBER ORGANIZATION | Contract Administrator; Direct payment from the plan; Other services Service code 13 | 1206 N. LINCOLN SUITE 200 SPOKANE, WA 99201 | $123K |
| ABD INSURANCE AND FINANCIAL SERVICE EIN 27-0673528 NONE | Other services; Direct payment from the plan; Consulting (pension) Service code 17 | 450. SANESOME STREET, STE 300 SAN FRANCISCO, CA 94111 | $102K |
| HUB INTERNATIONAL NORTHWEST LLC. EIN 91-2036015 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 12100 NE. 195TH ST SUITE B BOTHELL, WA 98011 | $63K |
| AIIN EIN 91-0131100 MEMBER ORGANIZATION | Plan Administrator; Other services; Direct payment from the plan Service code 14 | 1206 N. LINCOLN SUITE 200 SPOKANE, WA 99201 | $51K |
| BROWN & BROWN OF WA INC. EIN 91-0378940 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 1501 4TH AVE, SUITE 2400 SEATTLE, WA 98101 | $37K |
| PAYNEWEST INSURANCE INC. EIN 81-0479558 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 501 N, RIVERPOINT STE. 403 SPOKANE, WA 98101 | $27K |
| CENTURY INSURANCE GROUP, LLC. EIN 91-1193195 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 572 SW. BLUFF DR. STE 100 BEND, WA 99202 | $19K |
| CLEARVIEW INSURANCE SERVICES INC, EIN 46-0598462 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 1420 NW GILMAN BLVD. 2116 ISSAQUAH, WA 98027 | $18K |
| ANASTASI MOORE & MARTIN PLLCC EIN 20-9149084 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 9 S WASHINTON ST SPOKANE, WA 99201 | $13K |
| DIGITAL INSURANCE INC. NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 5713 DR. NW. GIG HARBOUR, WA 983357371 | $11K |
| LEAVITT GROUP NORTHWEST EIN 91-1366133 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | PO BOX 65770 UNIVERSITY PLACE, WA 98464 | $10K |
| CASCADE VALLEY INSURANCE NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 2727 HOLLYCROFT ST. GIG HARBOUR, WA 98335 | $10K |
| PCF INSURANCE SERVICES OF THE WEST NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 1400 BROADWAY BELLINGHAM, WA 98225 | $9K |
| BTG AND ASSOCIATES EIN 94-3131974 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 3120 139TH AVE SE SUITE 5 BEELEVUE, WA 98007 | $8K |
| HR RESOURCE INC NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 18122 WA-9 B103 SNOHOMISH, WA 99826 | $8K |
| ARMFIELD HARRISON & THOMAS INC EIN 54-0654623 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 20 SOUTH KING STREET LEESBURG, VA 20175 | $7K |
| PARKER SMITH & FEEK EIN 91-0660018 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | $6K |
| FORTIPHI EIN 91-1743499 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | PO BOX 1547 MOUNT VERNON, WA 98273 | $5K |
| POINTGUARD FINANCIAL EIN 20-0079326 NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | 420 N. EVERGREEN SUITE 100 SPOKANE VALLEY, WA 99216 | $5K |
| JEFF LEWIS KELLER ROHRBACK EIN 91-0563405 NONE | Trustee (discretionary); Direct payment from the plan Service code 24 | 1202 3RD AVENUE STE 3200 SEATTLE, WA 98101 | $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 | 665 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 868 | $2.6M |
| Dental | DELTA DENTAL OF WASHINGTON | 250 | $216K |
| Vision | VISION SERVICE PLAN | 256 | $27K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 452 | $30K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 452 | $30K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 452 | $30K |
| Prescription drug(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 868 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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.