| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILLAR INTERNATIONAL INS ADVISORS3 | 600 UNIVERSITY ST STE 2800 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $252K | — | $252K | 7.50% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | DELTA DENTAL OF WASHINGTON | $53K | — | $53K | 2.13% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 2.98% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $4K | — | $4K | 0.64% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 601 UNION ST STE 1501 SEATTLE, WA 98101 | TRANSAMERICA LIFE INSURANCE COMPANY | $140K | — | $140K | 30.56% |
| MASTERCARE SOLUTIONS, INC.3 Filed as: MASTERCARE AMERICA INC | 10260 SW GREENBURG RD STE 400 PORTLAND, OR 97223 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 2.47% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | — | $9K | 2.01% |
| LIFESTYLE INSURANCE SVCS INC3 | 30270 RANCHO VIEJO RD SUITE B SAN JUAN CAPISTRANO, CA 92675 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.36% |
| NEWMAN FINANCIAL SERVICES LLC3 | 6636 CEDAR AVE S STE 100 SAN JUAN CAPISTRANO, CA 92675 | TRANSAMERICA LIFE INSURANCE COMPANY | $902 | — | $902 | 0.20% |
| PILLAR INTERNATIONAL INSURANCE ADVI3 | 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $114K | — | $114K | 28.30% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST #900 M FINANCIAL PLAZA PORTLAND, OR 97209 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 4.43% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 600 UNIVERSITY ST STE 2800 SEATTLE, WA 98101 | PACIFIC LIFE INSURANCE COMPANY | $36K | — | $36K | 9.12% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $3K | — | $3K | 0.92% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | $175 | $7K | 2.09% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 2.68% |
| M HOLDINGS SECURITIES INC.3 | 1125 NW COUCH ST, STE 900 ATTN COMMISSIONS DEPT PORTLAND, OR 972094129 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 2.56% |
| RODNEY BENCH3 | 600 UNIVERSITY ST, STE 2800 SEATTLE, WA 981014123 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.17% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $476 | $3K | 1.04% |
| WILLIAM BEAR3 | 12 GEORGETOWN CT ALGONQUIN, IL 601026284 | METROPOLITAN LIFE INSURANCE COMPANY | $736 | — | $736 | 0.29% |
| PILLAR INTERNATIONAL INS ADVISORS3 | ONE UNION SQUARE- 600 UNIVERSITY ST STE 2800 SEATTLE, WA 98101 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 3.76% |
| LIFESTYLE INSURANCE SVCS INC3 Filed as: LIFESTYLE INSURANCE SVCS(MGA)INC | 27811 GOLDEN RIDGE LANE SAN JUAN CAPISTRANO, CA 92675 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.96% |
| KAREN A DACEK3 | 7784 HANSEN RD. NE BAINBRIDGE ISLAND, WA 98110 | METROPOLITAN LIFE INSURANCE COMPANY | $322 | — | $322 | 0.16% |
| 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 | $14K | — | $14K | 15.14% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 600 UNIVERSITY ST STE 2800 SEATTLE, WA 98101 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $657 | — | $657 | 0.92% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | FOUR EVER LIFE INSURANCE CO. | $1K | — | $1K | 2.00% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 600 UNIVERSITY ST STE 2800 SEATTLE, WA 98101 | PACIFIC LIFE INSURANCE COMPANY | $4K | — | $4K | 9.92% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 601 UNION ST STE 1501 SEATTLE, WA 981011363 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | PO BOX 62949 VIRGINIA BCH, VA 234662949 | PRINCIPAL LIFE INSURANCE COMPANY | $80 | — | $80 | 0.23% |
| JOHN KELLEY3 | 4061 POWDER MILL RD STE 700 VIRGINIA BCH, VA 234662949 | PRINCIPAL LIFE INSURANCE COMPANY | $69 | — | $69 | 0.20% |
| HIGHLAND CAPITAL BROKERAGE INC3 Filed as: HIGHLAND CAPITAL BROKERAGE | 3535 GRANDVIEW PKWY STE 600 BIRMINGHAM, AL 352431936 | PRINCIPAL LIFE INSURANCE COMPANY | $24 | — | $24 | 0.07% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 601 UNION STREET SUITE 1501 SEATTLE, WA 98101 | EXCEPTIONAL RISK ADVISORS | $2K | — | $2K | 14.69% |
| DOUG LENHOFF & ASSOCIATES3 | 8100 SW NYBERG STREET STE 220 TUALATIN, OR 97062 | EXCEPTIONAL RISK ADVISORS | $1K | — | $1K | 9.80% |
| M FINANCIAL HOLDINGS INC3 Filed as: M. FINANCIAL GROUP | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97290 | EXCEPTIONAL RISK ADVISORS | $404 | — | $404 | 2.94% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 601 UNION ST SUITE 1501 SEATTLE, WA 98101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $403 | — | $403 | 4.99% |
| 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 | 2,637 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 97 | $2.0M |
| Dental | DELTA DENTAL OF WASHINGTON | 4,330 | $2.5M |
| Vision | VISION SERVICE PLAN | 1,805 | $324K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,527 | $3.6M |
| Long-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,527 | $3.4M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 97 | $1.9M |
| Stop-loss / reinsurancereinsurance | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 3,954 | $2.1M |
| Other(12 contracts, 11 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,603 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,330 | — |
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.