| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRIL LEWIS & WILKE INSURANCE INC.3 Filed as: TERRIL LEWIS & WILKE INSURANCE INC | — | REGENCE BLUESHIELD | $2K | — | $2K | 0.05% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | — | REGENCE BLUESHIELD | $2K | — | $2K | 0.04% |
| WALLINGFORD FINANCIAL SERVICES INC3 | — | REGENCE BLUESHIELD | $1K | — | $1K | 0.03% |
| BENSLER LLC3 | — | REGENCE BLUESHIELD | $1K | — | $1K | 0.03% |
| OLYMPIC CREST INSURANCE, INC.3 Filed as: OLYMPIC CREST INSURANCE INC | — | REGENCE BLUESHIELD | $880 | — | $880 | 0.02% |
| JS YOUNG AND ASSOCIATES3 Filed as: YOUNG, MICHAEL R | — | REGENCE BLUESHIELD | $600 | — | $600 | 0.01% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN, MARY K | — | REGENCE BLUESHIELD | $560 | — | $560 | 0.01% |
| COORDINATED BENEFITS COMPANY LLC3 Filed as: COORDINATED BENEFITS LLC | — | REGENCE BLUESHIELD | $400 | — | $400 | 0.01% |
| FORTIPHI LLC3 | — | REGENCE BLUESHIELD | $320 | — | $320 | 0.01% |
| JOHNSTON, JEFFERY J3 | — | REGENCE BLUESHIELD | $240 | — | $240 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON LLC | — | REGENCE BLUESHIELD | $240 | — | $240 | 0.01% |
| IDEAL BENEFIT SOLUTIONS LLC3 | — | REGENCE BLUESHIELD | $240 | — | $240 | 0.01% |
| LLOYDS LIFE SALES INC3 | — | REGENCE BLUESHIELD | $200 | — | $200 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | — | REGENCE BLUESHIELD | $80 | — | $80 | 0.00% |
| SOUND BENEFIT SERVICES INC3 Filed as: SOUND BENEFIT SOLUTIONS INC | — | REGENCE BLUESHIELD | $80 | — | $80 | 0.00% |
| HEALTH INSURANCE SOLUTIONS NW LLC3 | — | REGENCE BLUESHIELD | $40 | — | $40 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC - NON RES | — | ASURIS NORTHWEST HEALTH | $2K | — | $2K | 0.29% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | ASURIS NORTHWEST HEALTH | $1K | — | $1K | 0.17% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | — | STANDARD INSURANCE COMPANY | $285 | — | $285 | 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 | $193K |
| ABD INSURANCE AND FINANCIAL SERVICE EIN 27-0673528 | Consulting (general) Service code 16 | 3 WATERS PARK DR STE 100 SAN MATEO, CA 94403 | $118K |
| AIIN EIN 91-0131100 MEMBER ORGANIZATION | Other services Service code 49 | 1206 N LINCOLN SUITE 200 SPOKANE, WA 99201 | $44K |
| MADDOCK & ASSOCIATES EIN 91-1280409 | Insurance agents and brokers Service code 22 | 1407 WILLOW ROAD E STE C FIFE, WA 98424 | $29K |
| SOUND CONSULTING SERVICES EIN 71-1004774 | Insurance agents and brokers Service code 22 | 200 112TH AVE NE, STE 205 BELLEVUE, WA 98004 | $28K |
| TERRILL, LEWIS & WILKE INS, INC. EIN 91-1337671 | Insurance agents and brokers Service code 22 | 112 SOUTH 4TH STREET YAKIMA, WA 98901 | $26K |
| ARMFIELD, HARRISON & THOMAS INC. EIN 54-0654623 | Insurance agents and brokers Service code 22 | 20 SOUTH KING ST LEESBURG, VA 20175 | $22K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 | Insurance agents and brokers Service code 22 | 501 N RIVERPOINT, STE 403 SPOKANE, WA 99202 | $16K |
| DINGUS, ZARECOR & ASSOCIATES PLLC EIN 20-0079326 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 12015 EAST MAIN SPOKANE VALLEY, WA 99206 | $14K |
| ALLIANT INSURANCE SERVICES INC. EIN 33-0785439 | Insurance agents and brokers Service code 22 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | $13K |
| KELLER ROHRBACK LLP EIN 91-0563405 INDEPENDENT FIDUCIARY | Trustee (discretionary) Service code 24 | 1201 3RD AVENUE STE 3200 SEATTLE, WA 98101 | $12K |
| CLEARVIEW INSURANCE SERVICES INC. EIN 46-0598462 | Insurance agents and brokers Service code 22 | 1420 NW GILMAN BLVD 2116 ISSAQUAH, WA 98027 | $11K |
| OLYMPIC CREST INSURANCE EIN 91-1717576 | Insurance agents and brokers Service code 22 | PO BOX 2538 GIG HARBOR, WA 98335 | $10K |
| RIVERSIDE EMPLOYEE BENEFITS EIN 84-3461477 | Insurance agents and brokers Service code 22 | 17322 107TH PL NE BOTHELL, WA 98011 | $10K |
| FLOYD WATKINS & ASSOCIATES INC EIN 91-1508604 | Insurance agents and brokers Service code 22 | PO BOX 820365 VANCOUVER, WA 98682 | $9K |
| THE PARTNERS GROUP FIDELITY BOND | Insurance services Service code 23 | 11225 SE 6TH ST SUITE 110 BELLEVUE, WA 98004 | $9K |
| ADVISOR SERVICES LLC EIN 20-1466523 | Insurance agents and brokers Service code 22 | 3400 188TH ST SW STE 540 LYNNWOOD, WA 98037 | $9K |
| MORGAN BENEFIT PLANNING | Insurance agents and brokers Service code 22 | 16211 NE 29TH STREET BELLEVUE, WA 98008 | $9K |
| WALLINGFORD FINANCIAL SERVICES, INC EIN 71-0907082 | Insurance agents and brokers Service code 22 | 236 SW 171ST STREET SEATTLE, WA 98166 | $8K |
| BASIN PACIFIC EIN 27-1158624 | Insurance agents and brokers Service code 22 | 8382 W. GAGE BLVD, STE A KENNEWICK, WA 99336 | $8K |
| BIGGS INSURANCE SERVICES EIN 91-1428405 | Insurance agents and brokers Service code 22 | PO BOX 189 VANCOUVER, WA 98666 | $7K |
| GROUP BENEFITS LLC EIN 26-2229784 | Insurance agents and brokers Service code 22 | 12939 E PINECROFT WAY 200 SPOKANE, WA 99216 | $7K |
| PREFERRED BENEFIT SERVICES EIN 91-1703038 | Insurance agents and brokers Service code 22 | PO BOX 1310 POULSBRO, WA 98370 | $7K |
| REETZ INSURANCE SERVICES INC EIN 91-2094536 | Insurance agents and brokers Service code 22 | 835 E 2ND STREET PORT TOWNSEND, WA 98362 | $7K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 | Insurance agents and brokers Service code 22 | 777 108TH AVE NE, SUITE 2 BELLEVUE, WA 98004 | $6K |
| MORAN BENEFIT ADVISORS INC EIN 61-1581966 | Insurance agents and brokers Service code 22 | 9631 N NEVADA ST, 309 SPOKANE, WA 99218 | $6K |
| PLC INSURANCE LLC | Insurance agents and brokers Service code 22 | 19401 40TH AVE W STE 440 LYNNWOOD, WA 98036 | $6K |
| BELL ANDERSON AGENCY INC EIN 91-0756278 | Insurance agents and brokers Service code 22 | 600 SW 39TH ST, SUITE 200 RENTON, WA 98057 | $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 | 978 | 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) | 978 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 818 | $4.9M |
| Dental | DELTA DENTAL OF WASHINGTON | 352 | $171K |
| Vision | VISION SERVICE PLAN | 424 | $29K |
| Life insurance | STANDARD INSURANCE COMPANY | 587 | $27K |
| Short-term disability | STANDARD INSURANCE COMPANY | 6 | $4K |
| Long-term disability | STANDARD INSURANCE COMPANY | 8 | $2K |
| Prescription drug(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 818 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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.