| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER WORKSITE SOLUTIONS INC3 | 806 NW 79TH STREET VANCOUVER, WA 98665 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $216 | $1K | 3.28% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $998 | $206 | $1K | 2.82% |
| SUSAN J LEACH3 | 4419 NE 131ST PLACE PORTLAND, OR 97230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $755 | $53 | $808 | 1.89% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PORPEL INSURANCE TACOMA, WA 98402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $734 | — | $734 | 1.72% |
| AKT BENEFIT ADVISORS LP3 | 680 HAWTHORNE AVENUE SE SALEM, OR 97301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $405 | — | $405 | 0.95% |
| ROXANA BUSCHMAN3 | 400 NORTHEAST 149TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 0.61% |
| ZINA OSTER3 | 3153 FOREST DRIVE CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.28% |
| BENJAMIN MOSQUEDA3 | 2855 CROKERY SHORES RD CASNOVIA, MI 49318 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.09% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVENUE HILLSBORO, OR 97127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $8 | $28 | 0.07% |
| PAM BRUNING3 | 1430 W CASINO ROAD EVERETT, WA 98204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| MARGARET BRYANT3 | 18014 SW BELMORE AVENUE LAKE OSWEGO, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION STREET NE SALEM, OR 97301 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.22% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION STREET NE SALEM, OR 97301 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.70% |
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 | 172 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 180 | $76K |
| Long-term disability | STANDARD INSURANCE COMPANY | 180 | $35K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 44 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.