| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANNA INSURANCE GROUP LLC3 | 1706 FRONT ST PMB 794 LYNDEN, WA 98264 | REGENCE BLUESHIELD | $55K | $2K | $57K | 4.70% |
| MANNA INSURANCE GROUP LLC3 | 1706 FRONT ST PMB 794 LYNDEN, WA 98264 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 5.33% |
| RICH IN BENEFITS INC3 | 13109 NE 123RD ST KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $728 | $3K | 2.55% |
| MEGAN ELIZABETH CASTO3 | HOME OFFICE COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $809 | $3K | 2.48% |
| MARY DAUGHERTY3 | 7625 STAR GAZING LANE KNOXVILLE, TN 37938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $558 | $3K | 2.37% |
| STEPHANIE SHEPPA3 Filed as: STEPHANIE JO HANSEN | 20144 GINA MARIE LANE BURLINGTON, WA 98233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $154 | $2K | 1.81% |
| DANIEL SHARP3 | 11622 50TH DR SE EVERETT, WA 98208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $698 | $7 | $705 | 0.54% |
| KALEB JORDAN FIELDS3 | 193 RIVERBEND DR DAYTON, TN 37321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $266 | $355 | 0.27% |
| SCOTT FENTON3 Filed as: SCOTT RONALD FENTON | 10506 RUSTIC RD SOUTH SEATTLE, WA 98178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $171 | $214 | 0.16% |
| ALLISON R MOSER3 | 2100 ELECTRIC AVE APT 421 BELLINGHAM, WA 98229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | — | $199 | 0.15% |
| JM TAMER & CO3 | 6500 PAPERMILL DR STE 201 KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $47 | $182 | 0.14% |
| JULIA MICHELLE TAMER3 | 6500 PAPERMILL DR STE 201 KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.09% |
| ELTHON ISRAEL CRUZ3 | 893 SOUTH 2100 WEST OREN, UT 84059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.05% |
| KENNIE SMITH3 | 5410 HOMBERG DR. KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $24 | $63 | 0.05% |
| ZACHAREE KEITH SIAHPUSH3 | 4412 RENTON AVE S SEATTLE, WA 98108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $6 | $41 | 0.03% |
| ALCYON MOSCHOGIANIS3 | 2904 139TH PL SE MILL CREEK, WA 98012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| KEITH LEPACK3 Filed as: KEITH HOWARD LEFEVRE | 8885 LADY MADONNA CIRCLE HIGHLANDS RANCH, CO 80129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 188 | $1.3M |
| Dental | REGENCE BLUESHIELD | 188 | $1.2M |
| Vision | REGENCE BLUESHIELD | 188 | $1.2M |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 166 | $130K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 166 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.