| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF WASHINGTON INC. | 1325 FOURTH AVE, SUITE 1705 SEATTLE, WA 98101 | THE UNION LABOR LIFE INSURANCE COMPANY | $26K | — | $26K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWEST ADMINISTRATORS, INC. EIN 91-0680697 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $1.2M |
| AETNA EIN 06-6033492 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $636K |
| VERA WHOLE HEALTH, INC EIN 20-8906429 NONE | Direct payment from the plan; Other services Service code 49 | — | $135K |
| BROWN & BROWN OF WASHINGTON, INC. EIN 91-0378940 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance services; Consulting (general) Service code 16 | — | $104K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $65K |
| UNITE HERE LOCAL 8 EIN 91-0968179 PARTICIPATING LOCAL | Direct payment from the plan; Other services Service code 49 | — | $64K |
| FIRST CHOICE HEALTH NETWORK, INC. EIN 91-1272766 NONE | Insurance brokerage commissions and fees; Other services; Direct payment from the plan Service code 49 | — | $60K |
| WEINBERG, ROGERS & ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $47K |
| BANK OF AMERICA, NA EIN 94-1687665 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $33K |
| US BANK N.A. EIN 31-0841368 NONE | Custodial (securities); Float revenue; Investment management fees paid directly by plan; Soft dollars commissions Service code 19 | — | $28K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $25K |
| KRISTIN MANWARING INSURANCE EIN 20-4650764 NONE | Insurance agents and brokers; Insurance services; Direct payment from the plan Service code 22 | — | $24K |
| SERVICE PRINTING COMPANY, INC. EIN 91-0830372 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $6K |
| AUKEMA & ASSOCIATES, INC EIN 94-1701048 NONE | Direct payment from the plan; Actuarial; Consulting (pension) Service code 11 | — | $5K |
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 | 2,467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 142 | $67K |
| Vision | AMERITAS LIFE INSURANCE CORP | 2,362 | $36K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,192 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,064 | $148K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,424 | $1.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,192 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,424 | — |
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.