| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICH IN BENEFITS INC3 | 13109 NE 123RD STREET KIRKLAND, WA 98034 | COLONIAL INSURANCE COMPANY | $5K | $2K | $7K | 8.63% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11850 SW 67TH AVENUE, SUITE 100 PORTLAND, OR 97223 | COLONIAL INSURANCE COMPANY | $4K | $1K | $5K | 6.45% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN CASTO | 10340 CARNEY DRIVE SE OLYMPIA, WA 98501 | COLONIAL INSURANCE COMPANY | $3K | $1K | $4K | 4.44% |
| WA EMPLOYEE BENEFITS LLC3 | 28313 REDONDO WAY SOUTH APARTMENT 105 DES MOINES, WA 98198 | COLONIAL INSURANCE COMPANY | $426 | $750 | $1K | 1.41% |
| MJ INSURANCE3 Filed as: RONALD JONES AND VARIOUS AGENTS | 320 NANCY COURT MOSCOW, ID 83843 | COLONIAL INSURANCE COMPANY | $1K | $74 | $1K | 1.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98011 | COLONIAL INSURANCE COMPANY | $887 | $0 | $887 | 1.07% |
| PAMELA WHITFIELD3 | 646 A AKOAKOA STREET KAILUA, HI 96734 | COLONIAL INSURANCE COMPANY | $372 | $0 | $372 | 0.45% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVENUE, SUITE 100 PORTLAND, OR 97223 | VISION SERVICE PLAN | $359 | $0 | $359 | 6.83% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | VISION SERVICE PLAN | $167 | $0 | $167 | 3.18% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $22 | $0 | $22 | 0.42% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVENUE, SUITE 100 PORTLAND, OR 97223 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $436 | $0 | $436 | 10.09% |
| CONNEXION INSURANCE SOLUTIONS3 | UNKNOWN SEATTLE, WA 98115 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $216 | $216 | 5.00% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $211 | $0 | $211 | 4.88% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 47 | $5K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL INSURANCE COMPANY | 98 | $88K |
| Other(2 contracts, 2 carriers) | COLONIAL INSURANCE COMPANY | 98 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.