| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $620 | $7K | 19.91% |
| DOUGLAS G. THURSTON3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.65% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | UNUM INSURANCE COMPANY | $2K | $547 | $2K | 6.93% |
| DOUGLAS G. THURSTON3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 4.64% |
| RICH IN BENEFITS INC3 Filed as: RICH IN BENEFITS, INC. | 13109 NE 123RD STREET KIRKLAND, WA 98034 | COLONIAL INSURANCE COMPANY | $471 | $63 | $534 | 6.40% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD. | 11850 SW 67TH AVENUE, SUITE 100 PORTLAND, OR 97223 | COLONIAL INSURANCE COMPANY | $405 | $62 | $467 | 5.60% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DRIVE SE OLYMPIA, WA 98501 | COLONIAL INSURANCE COMPANY | $273 | $45 | $318 | 3.81% |
| PARKER, SMITH & FREEK, LLC & OTHERS3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | COLONIAL INSURANCE COMPANY | $189 | $17 | $206 | 2.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL, LLC | PO BOX 3018 BOTHELL, WA 98011 | COLONIAL INSURANCE COMPANY | $144 | $0 | $144 | 1.73% |
| PAMELA WHITFIELD3 Filed as: PAMELA WHITEFIELD | 646 A AKOAKOA STREET KAILUA, HI 96734 | COLONIAL INSURANCE COMPANY | $67 | $0 | $67 | 0.80% |
| WA EMPLOYEE BENEFITS LLC3 Filed as: WA EMPLOYEE BENEFITS, LLC | 28313 REDONDO WAY SOUTH APARTMENT 105 DES MOINES, WA 98198 | COLONIAL INSURANCE COMPANY | $53 | $12 | $65 | 0.78% |
No Schedule C service providers reported on this filing.
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $42K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.