| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | PO BOX 986 POULSBO, WA 98370 | DELTA DENTAL OF WASHINGTON | $10K | — | $10K | 5.48% |
| ANTIK LLC3 | 15 OREGON AVE #207 TACOMA, WA 98409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.12% |
| WEST HILLS INS AGCY LLC3 | 950 WEST HILLS BLVD BREMERTON, WA 98312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | PO BOX 986 POULSBO, WA 983700288 | VISION SERVICE PLAN | $1K | — | $1K | 4.88% |
| ANTIK LLC3 | 15 OREGON AVE #207 TACOMA, WA 98409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 14.68% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST HILLS INS AGENCY LLC | 950 WEST HILLS BLVD BREMERTON, WA 98312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $507 | — | $507 | 5.48% |
| BELL ANDERSON AGCY INC3 | PO BOX 1608 OLYMPIA, WA 98507 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ANTIK LLC3 | 15 OREGON AVE #207 TACOMA, WA 98409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $534 | — | $534 | 8.88% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST HILLS INS AGENCY LLC | 950 WEST HILLS BLVD BREMERTON, WA 98312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | — | $190 | 3.16% |
| BELL ANDERSON AGCY INC3 | PO BOX 1608 OLYMPIA, WA 98507 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ANTIK LLC3 | 15 OREGON AVE #207 TACOMA, WA 98409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $680 | — | $680 | 12.92% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST HILLS INS AGENCY LLC | 950 WEST HILLS BLVD BREMERTON, WA 98312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $259 | — | $259 | 4.92% |
| BELL ANDERSON AGCY INC3 | PO BOX 1608 OLYMPIA, WA 98507 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ANTIK LLC3 | 15 OREGON AVE #207 TACOMA, WA 98409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $532 | — | $532 | 11.36% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST HILLS INS AGENCY LLC | 950 WEST HILLS BLVD BREMERTON, WA 98312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $208 | — | $208 | 4.44% |
| BELL ANDERSON AGCY INC3 | PO BOX 1608 OLYMPIA, WA 98507 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ANTIK LLC3 | 15 OREGON AVE #207 TACOMA, WA 98409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $336 | — | $336 | 13.64% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST HILLS INS AGENCY LLC | 950 WEST HILLS BLVD BREMERTON, WA 98312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | — | $136 | 5.52% |
| BELL ANDERSON AGCY INC3 | PO BOX 1608 OLYMPIA, WA 98507 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 501 | $178K |
| Vision | VISION SERVICE PLAN | 368 | $27K |
| Life insurance(6 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 297 | $72K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 297 | $44K |
| Other(6 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 297 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.