| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | PREMERA BLUE CROSS | $48K | $12K | $59K | 3.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | DELTA DENTAL OF WASHINGTON | $8K | — | $8K | 4.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $3K | $21K | 24.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 18.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $402 | $402 | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $434 | $10 | $444 | 3.78% |
| MODERN BENEFITS SOLUTIONS INC3 | 2414 SOUTH KATY COURT SPOKANE, WA 99224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $401 | — | $401 | 3.41% |
| RENEE LOUISE ROBERTSON3 | 28022 231ST PLACE SE MAPLE VALLEY, WA 98038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $353 | — | $353 | 3.00% |
| LAURABETH CHRISTENSEN3 | 4824 186TH PLACE WEST LYNNWOOD, WA 98037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $171 | $260 | 2.21% |
| JOEL N NEWMAN AGENCY LLC3 | 7808 SE 28TH STREET MERCER ISLAND, WA 98040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $24 | $49 | 0.42% |
| MJ INSURANCE3 Filed as: RONNEL BATTS AND VARIOUS AGENTS | 5424 WEST HOFFMAN PLACE SPOKANE, WA 99205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $10 | $38 | 0.32% |
| BRIAN T MURPHY LLC3 | 5002 47TH AVENUE SW SEATTLE, WA 98136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $10 | $33 | 0.28% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PREMERA BLUE CROSS | 229 | $1.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 356 | $188K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 227 | $31K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $122K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $88K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $88K |
| Prescription drug(2 contracts, 2 carriers) | PREMERA BLUE CROSS | 229 | $1.6M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 227 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.