| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY BENEFITS GROUP LLC3 | 17610 WOODINVILLE SNOHOMISH RD PO BOX 691 WOODINVILLE, WA 98072 | THE STANDARD | $31K | $0 | $31K | 2.28% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY BLDG 2, SUITE 125 AUSTIN, TX 78746 | THE STANDARD | $0 | $27K | $27K | 2.02% |
| LIBERTY BENEFITS GROUP LLC3 | 17610 WOODINVILLE SNOHOMISH RD WOODINVILLE, WA 98072 | STANDARD INSURANCE COMPANY | $20K | $0 | $20K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY BLDG 2 SUITE125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 2.61% |
| LIBERTY BENEFITS GROUP LLC3 | 17610 WOODINVILLE SNOHOMISH RD PO BOX 691 WOODINVILLE, WA 98072 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.25% |
| LIBERTY BENEFITS GROUP LLC3 | 17610 WOODINVILLE SNOHOMISH RD PO BOX 691 WOODINVILLE, WA 98072 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY BLDG 2 SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $992 | $992 | 2.11% |
| LIBERTY BENEFITS GROUP LLC3 | 17610 WOODINVILLE SNOHOMISH RD PO BOX 691 WOODINVILLE, WA 98072 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $861 | $861 | 2.14% |
| LIBERTY BENEFITS GROUP LLC3 | 17610 WOODINVILLE SNOHOMISH RD PO BOX 691 WOODINVILLE, WA 98072 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| LIBERTY BENEFITS GROUP LLC3 | 17610 WOODINVILLE SNOHOMISH RD PO BOX 691 WOODINVILLE, WA 98072 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 8.03% |
| LIBERTY BENEFITS GROUP LLC3 | 17610 WOODINVILLE SNOHOMISH RD PO BOX 691 WOODINVILLE, WA 98072 | STANDARD INSURANCE COMPANY | $371 | $0 | $371 | 8.25% |
| LIBERTY BENEFITS GROUP LLC3 | 17610 WOODINVILLE SNOHOMISH RD PO BOX 691 WOODINVILLE, WA 98072 | STANDARD INSURANCE COMPANY | $282 | $0 | $282 | 15.00% |
| LIBERTY BENEFITS GROUP LLC3 | 17610 WOODINVILLE SNOHOMISH RD PO BOX 691 WOODINVILLE, WA 98072 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | — |
| LIBERTY BENEFITS GROUP LLC3 | 17610 WOODINVILLE SNOHOMISH RD PO BOX 691 WOODINVILLE, WA 98072 | STANDARD INSURANCE COMPANY | $489 | $0 | $489 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LBG ADVISORS LLC EIN 92-0193732 NONE | Insurance agents and brokers Service code 22 | 17610 WOODINVILLE SNOHOMISH RD PO BOX 691 WOODINVILLE, WA 98072 | $331K |
| TRUSTEED PLANS SERVICE CORPORATION EIN 91-0780588 NONE | Contract Administrator Service code 13 | PO BOX 1894 17610 WOODINVILLE SNOHOMISH RD TACOMA, WA 98401 | $45K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(7 contracts) | STANDARD INSURANCE COMPANY | 3,842 | $264K |
| Long-term disability(2 contracts, 2 carriers) | THE STANDARD | 2,053 | $1.7M |
| Other(3 contracts) | STANDARD INSURANCE COMPANY | 1,921 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,842 | — |
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.