| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 13.31% |
| JOEL N NEWMAN AGENCY LLC3 Filed as: JOEL NEWMAN | 7515 86TH AVE. SE MERCER ISLAND, WA 98040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $879 | $621 | $2K | 20.37% |
| PAMELA COPLE SMITH3 Filed as: PAMELA SMITH | 411 HIGHLAND DRIVE SEATTLE, WA 98109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $456 | $69 | $525 | 7.13% |
| BRIAN MURPHY3 | 5002 47TH AVE. SW SEATTLE, WA 98136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $33 | $184 | 2.50% |
| GEORGE KIBBIE3 | 979 N. ASPEN WAY LAYTON, UT 84040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 2.38% |
| JAN STEWART THOMAS3 Filed as: JAN THOMAS | 20304 53RD AVE. WEST LYNNWOOD, WA 98036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.15% |
| DONALD PEOPLES3 | 42617 SE 169TH STREET NORTH BEND, WA 98045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.15% |
| LAURABETH CHRISTENSEN3 | 4824 186TH PLACE SW LYNNWOOD, WA 98037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.04% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 16 | $7K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 16 | $7K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 157 | $23K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 16 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.