| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LLC | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | $0 | $46K | 5.05% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LLC | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $23 | $163 | 2.97% |
| DARREN B HANDLEY3 | 13834 S TIMONEY RD DRAPER, UT 84020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $0 | $115 | 2.10% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $16 | $101 | 1.84% |
| PROSYNC INSURANCE SERVICES, LLC3 Filed as: PROSYNC INSURANCE SERVICES LLC | 126 WELLS AVE S RENTON, WA 98057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 1.46% |
| ZACHAREE KEITH SIAHPUSH3 | 33 SE 71ST AVE PORTLAND, OR 97215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $10 | $73 | 1.33% |
| RICH IN BENEFITS INC3 | 13109 NE 123RD ST APT P240 KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $1 | $56 | 1.02% |
| WA EMPLOYEE BENEFITS LLC3 | 28313 REDONDO WAY S APT 105 DES MOINES, WA 98198 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $10 | $47 | 0.86% |
| CARYL ESTES3 | 15907 ASH WAY UNIT C609 LYNNWOOD, WA 98087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $5 | $37 | 0.67% |
| ELIZABETH BETTRIDGE3 | 22211 6TH AVE S APT 101 DES MOINES, WA 98198 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.42% |
| JOEL SAMANDARI LUCAS3 | 2129 S BELAIR DR MOSES LAKE, WA 98837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.38% |
| JODI MOYLAN3 | 19103 MERIDIAN E UNIT 37 PUYALLUP, WA 98375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.11% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY BENEFITS LLC | 6325 E 18TH AVE SPOKANE VALLEY, WA 99212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.07% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 99 | $902K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 99 | $902K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 99 | $902K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $4K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 145 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.