| 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 | $256K | — | $256K | 8.80% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | DELTA DENTAL OF WASHINGTON | $43K | — | $43K | 1.84% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | — | $25K | 3.02% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $5K | — | $5K | 0.69% |
| PILLAR INTERNATIONAL INSURANCE ADVI3 | 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $66K | — | $66K | 14.27% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST #900 M FINANCIAL PLAZA PORTLAND, OR 97209 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.26% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 600 UNIVERSITY ST STE 2800 SEATTLE, WA 98101 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.48% |
| MASTERCARE SOLUTIONS, INC.3 Filed as: MASTERCARE AMERICA INC | 19085 PINEHURST RD BEND, OR 97703 | TRANSAMERICA LIFE INSURANCE COMPANY | $229 | — | $229 | 0.06% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | TRANSAMERICA LIFE INSURANCE COMPANY | $114 | — | $114 | 0.03% |
| NEWMAN FINANCIAL SERVICES LLC3 | 6636 CEDAR AVE S STE 100 SAN JUAN CAPISTRANO, CA 92675 | TRANSAMERICA LIFE INSURANCE COMPANY | $56 | — | $56 | 0.01% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 2.88% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 600 UNIVERSITY ST STE 2800 SEATTLE, WA 981014123 | PACIFIC LIFE INSURANCE COMPANY | $36K | — | $36K | 9.68% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $3K | — | $3K | 1.00% |
| M HOLDINGS SECURITIES INC.3 | 1125 NW COUCH ST, STE 900 ATTN COMMISSIONS DEPT PORTLAND, OR 972094129 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.35% |
| LPL FINANCIAL CORP3 | PO BOX 509026 ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921509026 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.51% |
| WILLIAM BEAR3 | 12 GEORGETOWN CT ALGONQUIN, IL 601026284 | METROPOLITAN LIFE INSURANCE COMPANY | $639 | — | $639 | 0.25% |
| RODNEY BENCH3 | 600 UNIVERSITY ST, STE 2800 SEATTLE, WA 981014123 | METROPOLITAN LIFE INSURANCE COMPANY | $158 | — | $158 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $3K | $145 | $4K | 1.48% |
| PILLAR INTERNATIONAL INS ADVISORS3 | ONE UNION SQUARE- 600 UNIVERSITY ST STE 2800 SEATTLE, WA 98101 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.77% |
| LIFESTYLE INSURANCE SVCS INC3 Filed as: LIFESTYLE INSURANCE SVCS(MGA)INC | 27811 GOLDEN RIDGE LANE SAN JUAN CAPISTRANO, CA 92675 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.96% |
| KAREN A DACEK3 | 7784 HANSEN RD. NE BAINBRIDGE ISLAND, WA 98110 | METROPOLITAN LIFE INSURANCE COMPANY | $416 | — | $416 | 0.18% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 600 UNIVERSITY ST STE 2800 SEATTLE, WA 98101 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $992 | — | $992 | 1.56% |
| PILLAR INTERNATIONAL INS ADVISORS3 | 600 UNIVERSITY ST STE 2800 SEATTLE, WA 981014123 | PACIFIC LIFE INSURANCE COMPANY | $5K | — | $5K | 9.56% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 950 MAIN AVE CLEVELAND, OH 441137201 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.81% |
| PILLAR INTERNATIONAL INS ADVISORS | 601 UNION STREET SUITE 1501 SEATTLE, WA 98101 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $3K | — | $3K | 15.00% |
| ECA FINANCIAL SERVICES INC3 | 7025 N SCOTTSDALE RD STE 110 SCOTTSDALE, AZ 85258 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| LIFESTYLE INSURANCE SVCS INC3 | 27811 GOLDEN RIDGE LN SAN JUAN CAPISTRANO, CA 92675 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $106 | — | $106 | 1.76% |
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 | 2,387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 96 | $2.1M |
| Dental | DELTA DENTAL OF WASHINGTON | 3,927 | $2.3M |
| Vision | VISION SERVICE PLAN | 1,672 | $312K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,312 | $3.2M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,312 | $2.9M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 96 | $2.1M |
| Stop-loss / reinsurancereinsurance | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 3,596 | $2.3M |
| Other(11 contracts, 10 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,363 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,927 | — |
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."
No prospect flags tripped on this filing.