| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURE FORWARD INC3 Filed as: INSURE NW INC | — | REGENCE BLUESHIELD | $2K | — | $2K | 0.04% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WA-SEATTLE | — | REGENCE BLUESHIELD | $2K | — | $2K | 0.04% |
| JOHNSTON, JEFFERY J3 | — | REGENCE BLUESHIELD | $1K | — | $1K | 0.03% |
| DEGGINGER MCINTOSH & ASSOCIATES INC3 | — | REGENCE BLUESHIELD | $1K | — | $1K | 0.03% |
| HEALTH INSURANCE TEAM LLC3 | — | REGENCE BLUESHIELD | $920 | — | $920 | 0.02% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SERVICES INC | — | REGENCE BLUESHIELD | $920 | — | $920 | 0.02% |
| AXIS INSURANCE LLC3 | — | REGENCE BLUESHIELD | $560 | — | $560 | 0.01% |
| R.L. EVANS COMPANY, INC.3 Filed as: R L EVANS COMPANY INC | — | REGENCE BLUESHIELD | $500 | — | $500 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | — | REGENCE BLUESHIELD | $420 | — | $420 | 0.01% |
| WALLINGFORD FINANCIAL SERVICES INC3 | — | REGENCE BLUESHIELD | $380 | — | $380 | 0.01% |
| EBENEFITS INSURANCE LLC3 | — | REGENCE BLUESHIELD | $380 | — | $380 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | — | REGENCE BLUESHIELD | $320 | — | $320 | 0.01% |
| ALBERS & COMPANY3 Filed as: ALBERS & CO INC | — | REGENCE BLUESHIELD | $280 | — | $280 | 0.01% |
| INOVA LLC3 | — | REGENCE BLUESHIELD | $200 | — | $200 | 0.00% |
| WERLINGER, KEVIN M3 | — | REGENCE BLUESHIELD | $140 | — | $140 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | REGENCE BLUESHIELD | $100 | — | $100 | 0.00% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN MANWARING INSURANCE ASSOCIA | — | REGENCE BLUESHIELD | $80 | — | $80 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | ASURIS NORTHWEST HEALTH | $2K | — | $2K | 0.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC - SPOKANE | — | ASURIS NORTHWEST HEALTH | $1K | — | $1K | 0.05% |
| PHILIP RUGGIERI3 Filed as: PHILIP, CHAD | — | ASURIS NORTHWEST HEALTH | $260 | — | $260 | 0.01% |
| COORDINATED BENEFITS COMPANY LLC3 Filed as: COORDINATED BENEFITS LLC | — | ASURIS NORTHWEST HEALTH | $240 | — | $240 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AIMS EIN 91-1485366 MEMBER ORGANIZATION | Plan Administrator Service code 14 | 1206 N LINCOLN SUITE 200 SPOKANE, WA 99201 | $311K |
| ABD INSURANCE AND FINANCIAL SERVICE EIN 27-0673528 | Consulting (general) Service code 16 | 3 WATERS PARK DR STE 100 SAN MATEO, CA 94403 | $153K |
| ALLIANT INSURANCE SERVICES INC. EIN 33-0785439 | Insurance agents and brokers Service code 22 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | $48K |
| DIGITAL INSURANCE INC. EIN 58-2522668 | Insurance agents and brokers Service code 22 | 200 GALLERIA PARKWAY SE ATLANTA, GA 30339 | $45K |
| ASSURED PARTNERS OF WASHINGTON LLC EIN 38-3942963 | Insurance agents and brokers Service code 22 | 1325 FOURTH AVE STE 2100 SEATTLE, WA 98101 | $28K |
| ARMFIELD, HARRISON & THOMAS INC. EIN 54-0654623 | Insurance agents and brokers Service code 22 | 20 SOUTH KING ST LEESBURG, VA 20175 | $25K |
| JEFFERY J. JOHNSTON EIN 53-8547117 | Insurance agents and brokers Service code 22 | 1425 LAKESIDE CT YAKIMA, WA 98902 | $22K |
| HUB INTERNATIONAL EIN 91-2036015 | Insurance agents and brokers Service code 22 | 12100 NE 195TH ST SUITE B BOTHELL, WA 98011 | $22K |
| IAN MITZ EIN 53-9084763 | Insurance agents and brokers Service code 22 | 201 N EDISON ST SUITE 233 KENNEWICK, WA 99336 | $21K |
| HEALTH INSURANCE TEAM LLC EIN 45-1565934 | Insurance agents and brokers Service code 22 | 4117 43RD AVE NE SEATTLE, WA 98105 | $21K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 | Insurance agents and brokers Service code 22 | 501 N RIVERPOINT BLVD, ST SPOKANE, WA 99202 | $18K |
| BENEFITS RESOURCE GROUP, INC. EIN 91-1910698 | Insurance agents and brokers Service code 22 | PO BOX 1028 BELLEVUE, WA 98009 | $18K |
| INSURE NW, INC. EIN 91-2170311 | Insurance agents and brokers Service code 22 | PO BOX 24297 FEDERAL WAY, WA 98093 | $16K |
| DINGUS, ZARECOR & ASSOCIATES PLLC EIN 20-0079326 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 12015 E MAIN AVE SPOKANE VALLEY, WA 99206 | $13K |
| BASIN PACIFIC EIN 27-1158624 | Insurance agents and brokers Service code 22 | 8382 W. GAGE BLVD, STE A KENNEWICK, WA 99336 | $11K |
| CONOVER INSURANCE SERVICES EIN 91-1953703 | Insurance agents and brokers Service code 22 | PO BOX 10088 YAKIMA, WA 98908 | $10K |
| RL EVANS COMPANY, INC. EIN 91-0849754 | Insurance agents and brokers Service code 22 | 3535 FACTORIA SE, STE 120 BELLEVUE, WA 98006 | $10K |
| DEGGINGER MCINTOSH & ASSOCIATES INC EIN 91-0751907 | Insurance agents and brokers Service code 22 | PO BOX 1400 MUKILTEO, WA 98275 | $9K |
| WALLINGFORD FINANCIAL SERVICES, INC EIN 71-0907082 | Insurance agents and brokers Service code 22 | 236 SW 171ST STREET SEATTLE, WA 98101 | $7K |
| CUMMINGS, FRASER ASSOCIATES, LLC EIN 68-0609841 | Insurance agents and brokers Service code 22 | 3201 FIRST AVE, SUITE 108 SEATTLE, WA 98134 | $7K |
| EBENEFITS CONSULTING GROUP, LLC EIN 20-8629593 | Insurance agents and brokers Service code 22 | 22450 SE 296TH STREET BLACK DIAMOND, WA 98010 | $6K |
| CHAD J PHILIP | Insurance agents and brokers Service code 22 | 430 NORTH PINE STREET ELLENSBURG, WA 98926 | $5K |
| MORAN BENEFIT ADVISORS, INC. EIN 61-1581966 | Insurance agents and brokers Service code 22 | 9631 N NEVADA ST, 309 SPOKANE, WA 99218 | $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 | 1,496 | 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) | 1,496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 993 | $6.3M |
| Dental | DELTA DENTAL OF WASHINGTON | 824 | $359K |
| Vision | VISION SERVICE PLAN | 513 | $37K |
| Life insurance | STANDARD INSURANCE COMPANY | 621 | $28K |
| Short-term disability | STANDARD INSURANCE COMPANY | 11 | $8K |
| Long-term disability | STANDARD INSURANCE COMPANY | 11 | $4K |
| Prescription drug(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 993 | $6.3M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 993 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 993 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.