| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUEBENEFITS LLC3 | 1325 4TH AVENUE, SUITE 1900 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.00% |
| TRUEBENEFITS LLC3 Filed as: TRUEBENEFITS, LLC | 601 UNION STREET SEATTLE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $713 | $0 | $713 | 4.63% |
| ELIZABETH BETTRIDGE3 | 22211 6TH AVENUE SOUTH DES MOINES, WA 98198 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $86 | $200 | 1.30% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DRIVE SE OLYMPIA, WA 98501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $171 | $14 | $185 | 1.20% |
| ZACHAREE KEITH SIAHPUSH3 | 6727 MLK JR WAY SOUTH, SUITE M SEATTLE, WA 98118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $0 | $116 | 0.75% |
| WA EMPLOYEE BENEFITS LLC3 Filed as: WA EMPLOYEE BENEFITS,LLC | 28313 REDONDO WAY SOUTH, SUITE 105 DES MOINES, WA 98198 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $36 | $115 | 0.75% |
| MJ INSURANCE3 Filed as: RICH IN BENEFITS AND VARIOUS AGENTS | 13109 NE 123RD STREET, SUITE P240 KIRKLAND, WA 98034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $13 | $73 | 0.47% |
| CARYL ESTES3 | 15907 ASH WAY, SUITE C609 LYNNWOOD, WA 98087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $16 | $63 | 0.41% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 160 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $103K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $103K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $103K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.