| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSUR SVCS OF THE WEST LLC BELL | 1400 BROADWAY BELLINGHAM, WA 98225 | REGENCE BLUESHIELD | $2K | — | $2K | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | — | REGENCE BLUESHIELD | $2K | — | $2K | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA - TACOMA | 1501 4TH AVE SUITE 2400 SEATTLE, WA 98101 | REGENCE BLUESHIELD | $2K | — | $2K | 0.05% |
| CENTURY INSURANCE GROUP LLC3 | 572 SE BLUFF BR. STE 100 BEND, OR 97702 | REGENCE BLUESHIELD | $1K | — | $1K | 0.04% |
| CLEARVIEW INSURANCE SERVICES INC.3 | 1420 NW GILMAN BLVD #2116 ISSAQUAH, WA 98027 | REGENCE BLUESHIELD | $1K | — | $1K | 0.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE ATLANTA, GA 30339 | REGENCE BLUESHIELD | $740 | — | $740 | 0.02% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | REGENCE BLUESHIELD | $720 | — | $720 | 0.02% |
| EDGREN HECKER3 | 1501 4TH AVE SUITE 2400 SEATTLE, WA 98101 | REGENCE BLUESHIELD | $660 | — | $660 | 0.02% |
| FORTIPHI LLC3 Filed as: FORTIPHI | PO BOX 1547 MOUNT VERNON, WA 98273 | REGENCE BLUESHIELD | $520 | — | $520 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC YAK | 12100 NE 195TH ST SUITE B BOTHELL, WA 98011 | REGENCE BLUESHIELD | $440 | — | $440 | 0.01% |
| WHITFIELDS UNITED INSURANCE AGENCIE3 | — | REGENCE BLUESHIELD | $380 | — | $380 | 0.01% |
| MADDOCK & ASSOCIATES LLC3 | 1407 WILLOW ROAD E. STE C FIFE, WA 98424 | REGENCE BLUESHIELD | $360 | — | $360 | 0.01% |
| PRO BENEFITS OF WASHINGTON LLC3 | — | REGENCE BLUESHIELD | $180 | — | $180 | 0.01% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS LLC | 20 SOUTH KING ST LEESBURG, VA 20175 | REGENCE BLUESHIELD | $160 | — | $160 | 0.00% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN MANWARING INSURANCE ASSOCIA | — | REGENCE BLUESHIELD | $80 | — | $80 | 0.00% |
| VAULT INSURANCE & INVESTMENTS LLC3 Filed as: VAULT INSURANCE AND INVESTMENTS LLC | — | REGENCE BLUESHIELD | $80 | — | $80 | 0.00% |
| BTG AND ASSOCIATES LLC3 | 3120 139TH AVE SE SUITE 5 BELLEVUE, WA 98007 | ASURIS NORTHWEST HEALTH | $280 | — | $280 | 0.14% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS LLC | 20 SOUTH KING ST LEESBURG, VA 20175 | ASURIS NORTHWEST HEALTH | $240 | — | $240 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AIMS EIN 91-1485366 MEMBER ORGANIZATION | Direct payment from the plan; Other services; Contract Administrator Service code 13 | 1206 N. LINCOLN SUITE 200 SPOKANE, WA 99201 | $102K |
| ABD INSURANCE AND FINANCIAL SERVICE EIN 27-0673528 NONE | Consulting (pension); Direct payment from the plan; Other services Service code 17 | 450. SANESOME STREET, STE 300 SAN FRANCISCO, CA 94111 | $83K |
| AIIN EIN 91-0131100 MEMBER ORGANIZATION | Plan Administrator; Direct payment from the plan; Other services Service code 14 | 1206 N. LINCOLN SUITE 200 SPOKANE, WA 99201 | $41K |
| 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 | $33K |
| PCF INSURANCE SERVICES OF THE WEST NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 1400 BROADWAY BELLINGHAM, WA 98225 | $22K |
| 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 | $21K |
| DIGITAL INSURANCE INC. NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 5713 DR. NW. GIG HARBOUR, WA 983357371 | $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 | $16K |
| ANASTASI MOORE & MARTIN, PLLC EIN 20-9149084 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 9 S WASHINGTON ST SPOKANE, WA 99201 | $13K |
| 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 | $9K |
| ARMFIELD HARRISON & THOMAS INC EIN 54-0654623 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 20 SOUTH KING STREET LEESBURG, VA 20175 | $9K |
| RICE INSURANCE EIN 91-0873013 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $8K |
| KIBBLE AND PRENTICE HOLDING COMPANY NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 601 UNION ST 1000 SEATTLE, WA 98101 | $7K |
| 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 | $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 | $7K |
| MADDOCK AND ASSOCIATES LLC EIN 91-1280409 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $7K |
| POINTGUARD FINANCIAL EIN 20-0079326 NONE | Direct payment from the plan; Consulting (general); Other services Service code 16 | 420 N. EVERGREEN SUITE 100 SPOKANE VALLEY, WA 99216 | $7K |
| HUB INTERNATIONAL NORTHWEST LLC EIN 91-2036015 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 12100 NE. 195TH ST SUITE B BOTHELL, WA 98011 | $6K |
| CASCADE VALLEY INSURANCE NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 2727 HOLLYCROFT ST. GIG HARBOUR, WA 98335 | $6K |
| BTG AND ASSOCIATES EIN 94-3131974 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 3120 139TH AVE SE SUITE 5 BELLEVUE, WA 98007 | $6K |
| FORTIPHI EIN 91-1743499 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | PO BOX 1547 MOUNT VERNON, WA 98273 | $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 | 606 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 431 | $3.6M |
| Dental | DELTA DENTAL OF WASHINGTON | 242 | $164K |
| Vision | VISION SERVICE PLAN | 248 | $19K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 464 | $23K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 464 | $23K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 464 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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.