| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | DELTA DENTAL OF WASHINGTON | $38K | — | $38K | 1.70% |
| PILLAR INTERNATIONAL INS ADVISORS3 Filed as: PILLAR INTERNATINAL INSURANCE ADVIS | 601 UNION STREET 10TH FLOOR SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $89K | $47K | $136K | 9.05% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC. | $22K | — | $22K | 2.95% |
| PILLAR INTERNATIONAL INS ADVISORS3 Filed as: PILLAR INTERNATIONAL INSURNACE | 601 UNION ST STE 1501 SEATTLE, WA 981011363 | PACIFIC LIFE INSURANCE COMPANY | $43K | — | $43K | 11.75% |
| M HOLDINGS SECURITIES INC.3 | 1125 NW COUCH STREET, STE 900 ATTN COMMISSIONS DEPT PORTLAND, OR 972094129 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.00% |
| RODNEY BENCH3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 981014064 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.82% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.67% |
| WILLIAM BEAR3 | 7105 SWAN WAY CARY, IL 600136043 | METROPOLITAN LIFE INSURANCE COMPANY | $72 | — | $72 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | $317 | $6K | 2.04% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $2K | — | $2K | 0.68% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 2.97% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $3K | — | $3K | 0.92% |
| PILLAR INTERNATIONAL INSURANCE ADVI3 | 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $135K | — | $135K | 62.06% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST #900 M FINANCIAL PLAZA PORTLAND, OR 97209 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 9.63% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 601 UNION STREET, SUITE 1501 SEATTLE, WA 98101 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 4.05% |
| LIFESTYLE INSURANCE SVCS INC3 Filed as: LIFESTYLE INSURANCE SERVICES,(MGA) | 27811 GOLDEN RIDGE LANE SAN JUAN CAPISTRANO, CA 92675 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.97% |
| KAREN A DACEK3 | 7784 HANSEN RD NE BAINBRIDGE ISLAND, WA 98110 | METROPOLITAN LIFE INSURANCE COMPANY | $394 | — | $394 | 0.18% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 601 UNION ST STE 1501 SEATTLE, WA 98101 | TRANSAMERICA LIFE INSURANCE COMPANY | $23K | — | $23K | 12.40% |
| LIFESTYLE INSURANCE SVCS INC3 | 30270 RANCHO VIEJO RD SUITE B SAN JUAN CAPISTRANO, CA 92675 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.25% |
| NEWMAN FINANCIAL SERVICES LLC3 | 6636 CEDAR AVE S STE 100 SAN JUAN CAPISTRANO, CA 92675 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.14% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | 601 UNION STREET SUITE 1000 SEATTLE, WA 98101 | TRANSAMERICA LIFE INSURANCE COMPANY | $162 | — | $162 | 0.09% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | FOUR EVER LIFE INSURANCE CO. | $1K | — | $1K | 2.00% |
| ECA FINANCIAL SERVICES INC3 Filed as: ECA FINANCIAL SERVICES INC. | 10105 E VIA LINDA #103-300 SCOTTSDALE, AZ 85258 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| PILLAR INTERNATIONAL INS ADVISORS3 Filed as: PILLAR INTERNATIONAL | 601 UNION STREET SUITE 1501 SEATTLE, WA 98101 | EXCEPTIONAL RISK ADVISORS | $6K | — | $6K | 14.69% |
| DOUGLAS LENHOFF & ASSOCIATES3 | 16325 BOONES FERRY ROAD SUITE 101 LAKE OSWEGO, OR 97035 | EXCEPTIONAL RISK ADVISORS | $4K | — | $4K | 9.79% |
| M FINANCIAL HOLDINGS INC3 Filed as: M. FINANCIAL | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97290 | EXCEPTIONAL RISK ADVISORS | $755 | — | $755 | 1.76% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 601 UNION STREET STE 1501 SEATTLE, WA 981014064 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.93% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | PO BOX 62949 VIRGINIA BCH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $164 | — | $164 | 0.38% |
| JOHN DEEM3 Filed as: JOHN WALTER KELLEY | 4061 POWDER MILL RD STE 700 CALVERTON MD, MD 207054053 | PRINCIPAL LIFE INSURANCE COMPANY | $112 | — | $112 | 0.26% |
| PILLAR INTERNATIONAL INS ADVISORS3 Filed as: PILLAR INTERNATIONAL INSURANCE | 601 UNION ST STE 1501 SEATTLE, WA 981011363 | PACIFIC LIFE INSURNACE COMPANY | $11K | — | $11K | 26.27% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 601 UNION STREET 10TH FLOOR SEATTLE, WA 98101 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $493 | $105 | $598 | 4.33% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $763 | $763 | 9.54% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 601 UNION ST SUITE 1501 SEATTLE, WA 98101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $400 | — | $400 | 5.00% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 601 UNION ST SUITE 1501 SEATTLE, WA 98101 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $740 | — | $740 | 13.00% |
| LIFESTYLE INSURANCE SVCS INC3 | 30270 RANCHO VIEJO RD SUITE B SAN JUAN CAPISTRANO, CA 92675 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $114 | — | $114 | 2.00% |
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 | 2,419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 120 | $1.7M |
| Dental | DELTA DENTAL OF WASHINGTON | 3,935 | $2.2M |
| Vision | VISION SERVICE PLAN | 1,539 | $276K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,312 | $1.8M |
| Long-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,312 | $1.6M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 120 | $1.7M |
| Stop-loss / reinsurancereinsurance | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 5,553 | $1.4M |
| Other(12 contracts, 12 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,382 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,553 | — |
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.