| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INC SERVICES INC | 818 WEST RIVERSIDE STE 800 SPOKANE, WA 99201 | SYMETRA LIFE INSURANCE COMPANY | — | $61K | $61K | 5.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 818 W RIVERSIDE STE 800 SPOKANE, WA 99201 | SYMETRA LIFE INSURANCE COMPANY | $8K | $7K | $15K | 6.71% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY & O'NEILL LIFE INC | 818 WEST RIVERSIDE STE 800 SPOKANE, WA 99201 | SYMETRA LIFE INSURANCE COMPANY | $9K | — | $9K | 4.06% |
| TIMBER PRODUCTS MANUFACTURERS3 | 951 E 3RD AVE SPOKANE, WA 99202 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 2.29% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH ST SW MS320 MOUNTLAKE TERRAC, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 2.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 818 WEST RIVERSIDE STE 800 SPOKANE, WA 99201 | SYMETRA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 7.10% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY & O'NEILL LIFE INC. | 818 WEST RIVERSIDE STE. 800 SPOKANE, WA 99201 | SYMETRA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.79% |
| TIMBER PRODUCTS MANUFACTURERS3 Filed as: TIMBER PRODUCT MANUFACTURERS | 951 E 3RD AVE SPOKANE, WA 99202 | SYMETRA LIFE INSURANCE COMPANY | $782 | — | $782 | 2.35% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH ST. SW MS320 MOUNTLAKE TERRACE, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $750 | — | $750 | 2.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $0 | $209 | $209 | 0.63% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY & O'NEILL LIFE INC | 818 W RIVERSIDE STE 800 SPOKANE, WA 99201 | SYMETRA LIFE INSURANCE COMPANY | $1K | — | $1K | 12.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 818 WEST RIVERSIDE STE 800 SPOKANE, WA 99201 | SYMETRA LIFE INSURANCE COMPANY | $1K | $144 | $1K | 11.42% |
| TIMBER PRODUCTS MANUFACTURERS3 | 951 E 3RD AVE SPOKANE, WA 99202 | SYMETRA LIFE INSURANCE COMPANY | $720 | — | $720 | 6.72% |
| CONEXXION INSURANCE SOLUTIONS3 Filed as: CONNEXTION INSURANCE SOLUTIONS | 7001 220TH ST SW MS320 MOUNTLAKE TERRAC, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $349 | — | $349 | 3.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT SERVICES INC | 720 OLIVE WAY STE 1700 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $0 | $53 | $53 | 0.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Direct payment from the plan; Participant communication; Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Accounting (including auditing); Recordkeeping fees; Contract Administrator Service code 10 | — | $2.6M |
| ALLIANT NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 1420 5TH AVE #1500 SEATTLE, WA 98101 | $847K |
| TIMBER PRODUCTS MANUFACTURERS, INC. EIN 91-0820598 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $732K |
| CORKERY & JONES BENEFITS, INC. EIN 91-1269034 NONE | Consulting fees; Insurance agents and brokers; Direct payment from the plan; Consulting (general); Insurance services Service code 16 | — | $291K |
| HUB INTERNATIONAL NORTHWEST, LLC EIN 91-2036015 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $148K |
| WARD INSURANCE AGENCY, INC EIN 93-0963467 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $101K |
| DELTA DENTAL OF WA NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | PO BOX 84885 SEATTLE, WA 98124 | $98K |
| PAYNE & FINANCIAL GROUP, INC. EIN 81-0479558 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $85K |
| CLIFTONLARSONALLEN LLP EIN 91-0614823 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $78K |
| AW REHN & ASSOCIATES EIN 91-1008626 NONE | Copying and duplicating; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Participant communication; Claims processing; Accounting (including auditing) Service code 10 | — | $68K |
| GALLAGHER BENEFIT SERVICES, INC EIN 36-4291971 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $67K |
| KPD INSURANCE, INC. EIN 93-0843355 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $37K |
| CFP, INC. INSURANCE EIN 93-0572310 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $37K |
| ROCKY MOUNTAIN INSURANCE GROUP, INC EIN 20-5531412 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $36K |
| MONTGOMERY & GRAHAM, INC. EIN 91-1819536 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $35K |
| WASHINGTON TRUST BANK NONE | Investment management; Investment management fees paid directly by plan Service code 28 | PO BOX 91060 SPOKANE, WA 99210 | $30K |
| JEFF HOLMAN INSURANCE NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 403 N MARKET BLVD CHEHALIS, WA 98532 | $19K |
| INTERMOUNTAIN INSURANCE NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 50 S MAIN ST KAYSVILLE, UT 84037 | $17K |
| LEAVITT GREAT WEST INSURANCE SVCS EIN 81-0520992 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $16K |
| VISION SERVICE PLAN EIN 91-6056925 NONE | Participant communication; Recordkeeping fees; Claims processing; Contract Administrator; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Direct payment from the plan Service code 10 | — | $12K |
| TURNER CONSULTING AND ACTUARIAL LLC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | 3000-F DANVILLE BLVD #156 ALAMO, CA 94507 | $11K |
| DIGITAL INSURANCE INC EIN 58-2522668 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $7K |
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 | 5,506 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | SYMETRA LIFE INSURANCE COMPANY | 5,258 | $271K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 5,258 | $227K |
| Long-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 514 | $44K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 5,265 | $1.2M |
| Other(3 contracts) | SYMETRA LIFE INSURANCE COMPANY | 5,258 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,265 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.