| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | 1501 FOURTH AVENUE, SUITE 2400 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $948 | — | $948 | 2.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | 1501 4TH AVE, SUITE 2400 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $231 | — | $231 | 2.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELFARE AND PENSION ADMIN. SERVICE EIN 91-1363171 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $1.3M |
| AETNA NONE | Direct payment from the plan; Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $457K |
| FIRST CHOICE HEALTH NETWORK, INC. EIN 91-1272766 NONE | Other services; Direct payment from the plan Service code 49 | — | $140K |
| UNITEHERE LOCAL 8 EIN 91-0968179 PARTICIPATING LOCAL | Direct payment from the plan; Other services Service code 49 | — | $57K |
| LINDQUIST LLP EIN 52-2385296 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $50K |
| WEINBERG, ROGER, AND ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $37K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Consulting (general); Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 16 | — | $33K |
| BROWN & BROWN OF WA, INC EIN 91-0378940 NONE | Consulting (general); Direct payment from the plan; Insurance services Service code 16 | — | $31K |
| HEALTH CARE COST MGMT. CORP NONE | Direct payment from the plan; Other services Service code 49 | 3000 A STREET SUITE 300 ANCHORAGE, AK 99503 | $27K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $20K |
| US BANK N.A. EIN 31-0841368 NONE | Investment management fees paid directly by plan; Float revenue; Soft dollars commissions; Custodial (securities) Service code 19 | — | $18K |
| BANK OF AMERICA N.A. EIN 94-1687665 NONE | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $17K |
| GLYPH LANGUAGE SERVICE NONE | Participant communication; Direct payment from the plan Service code 38 | 157 S HOWARD, SUITE 603 SPOKANE, WA 99201 | $13K |
| CHANGE HEALTHCARE EIN 20-5731067 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $13K |
| PRINT TIME NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 1932 9TH AVE SEATTLE, WA 98101 | $11K |
| PROVIDENCE PLAN PARTNERS EIN 91-1861964 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $8K |
| ASMED HEALTH PARTNERSHIP EIN 27-4188863 NONE | Other services; Direct payment from the plan Service code 49 | — | $7K |
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 | 2,997 | 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) | 2,997 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 335 | $99K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,376 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,973 | $192K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,018 | $1.4M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,376 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,376 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.