| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 89101 | PREMERA BLUE CROSS | $152K | $31K | $182K | 5.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 89101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 9.98% |
| MGIS5 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $180 | $180 | 0.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE, INC. | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9 | $0 | $9 | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 89101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $177 | $1K | 8.99% |
| JACQUELYN KRUEGER3 | 2503 CLIFFSIDE LANE NW GIG HARBOR, WA 98335 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $626 | $4 | $630 | 3.98% |
| ERIC TERRAZAS3 Filed as: ERIC TERRAZAS AND OTHER AGENTS | 217 LOIS STREET LA HABRA, CA 90631 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $414 | $1 | $415 | 2.62% |
| JOEL N NEWMAN AGENCY LLC3 Filed as: JOEL N., NEWMAN AGENCY, LLC | 824-B NW 52ND STREET SEATTLE, WA 98107 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $311 | $93 | $404 | 2.55% |
| THE DOCTORS COMPANY INS. SERVICES3 | 23241 SOUTH POINTE DRIVE LAGUNA HILLS, CA 92653 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $342 | $0 | $342 | 2.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET SYRACUSE, NY 13204 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $264 | $0 | $264 | 1.67% |
| BRIAN T MURPHY LLC3 Filed as: BRIAN T. MURPHY, LLC | 5002 47TH AVENUE SW SEATTLE, WA 98136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $160 | $17 | $177 | 1.12% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 484 | $3.3M |
| Dental | PREMERA BLUE CROSS | 484 | $3.3M |
| Vision | VISION SERVICE PLAN | 298 | $35K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 423 | $39K |
| Prescription drug | PREMERA BLUE CROSS | 484 | $3.3M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 423 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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 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.