| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INC SERVICES INC | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, VA 30009 | SYMETRA LIFE INSURANCE COMPANY | — | $62K | $62K | 5.73% |
| TIMBER PRODUCTS MANUFACTURERS3 | 951 E 3RD AVE SPOKANE, WA 99202 | SYMETRA LIFE INSURANCE COMPANY | $17K | — | $17K | 10.91% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 818 WEST RIVERSIDE STE 800 SPOKANE, WA 99201 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 2.89% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH ST. SW MS320 MOUNTLAKE TERRAC, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $4K | — | $4K | 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 | — | $2K | $2K | 1.52% |
| TIMBER PRODUCTS MANUFACTURERS3 | 951 E 3RD AVE SPOKANE, WA 99202 | SYMETRA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.29% |
| 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 | 3.19% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH ST SW MS320 MOUNTLAKE TERRACE, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $878 | — | $878 | 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 | — | $474 | $474 | 1.22% |
| TIMBER PRODUCTS MANUFACTURERS3 | 951 E 3RD AVE SPOKANE, WA 99202 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 12.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 818 WEST RIVERSIDE STE 800 SPOKANE, WA 99201 | SYMETRA LIFE INSURANCE COMPANY | $983 | — | $983 | 5.31% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH ST SW MS320 MOUNTLAKE TERRAC, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $416 | — | $416 | 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 | — | $173 | $173 | 0.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Copying and duplicating; Accounting (including auditing); Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $2.1M |
| ALLIANT NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 1420 5TH AVE #1500 SEATTLE, WA 98101 | $750K |
| TIMBER PRODUCTS MANUFACTURERS EIN 91-0820598 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $652K |
| CORKERY & JONES EIN 91-1269034 NOPE | Consulting fees; Insurance agents and brokers; Insurance services; Direct payment from the plan; Consulting (general) Service code 16 | — | $238K |
| PAYNE & FINANCIAL GROUP, INC. EIN 81-0479558 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $98K |
| DELTA DENTAL NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | PO BOX 84885 SEATTLE, WA 98124 | $88K |
| HUB INTERNATIONAL NORTHWEST, LLC EIN 91-2036015 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $81K |
| AJ GALLAGHER NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 2825 EASTLAKE AVE E SEATTLE, WA 98102 | $80K |
| CLIFTON LARSON ALLEN LLP EIN 91-0614823 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $59K |
| WARD INSURANCE AGENCY, INC EIN 93-0963467 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $57K |
| AW REHN ASSOCIATES EIN 91-1008626 NONE | Direct payment from the plan; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Claims processing; Accounting (including auditing); Contract Administrator Service code 10 | — | $57K |
| MONTGOMERY & GRAHAM, INC. EIN 91-1819536 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $51K |
| HOLMAN INSURANCE NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 4001 LEADENHALL ROAD MOUNT LAUREL, NJ 08054 | $47K |
| OPTUMINSIGHT NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | PO BOX 860215 MINNEAPOLIS, MN 55486 | $47K |
| WASHINGTON TRUST BANK NONE | Investment management; Investment management fees paid directly by plan Service code 28 | PO BOX 2127 SPOKANE, WA 99210 | $33K |
| KPD INSURANCE, INC. EIN 93-0843355 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $32K |
| RIHERD LAW OFFICE EIN 30-0787645 NONE | Participant communication; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Accounting (including auditing); Copying and duplicating Service code 10 | — | $24K |
| ROCKY MOUNTAIN INSURANCE GROUP, INC EIN 20-5531412 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $23K |
| HUB INTERNATIONAL MOUNTAIN NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 223 W MAIN ST THOMPSON FALLS, MT 59873 | $20K |
| LEAVITT WEST EIN 81-0520992 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $17K |
| VISION SERVICE PLAN EIN 91-6056925 NONE | Participant communication; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Copying and duplicating; Recordkeeping fees; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $9K |
| HORAN NONE | Direct payment from the plan; Consulting fees; Consulting (general); Insurance services; Insurance agents and brokers Service code 16 | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | $9K |
| DIGITAL BENEFITS ADVISORS EIN 58-2522668 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $8K |
| GROUP BENEFITS, LLC NONE | Consulting (general); Insurance agents and brokers; Insurance services; Consulting fees; Direct payment from the plan Service code 16 | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | $5K |
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 | 5,154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | SYMETRA LIFE INSURANCE COMPANY | 5,156 | $218K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 5,156 | $160K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 494 | $39K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 4,942 | $1.1M |
| Other(3 contracts) | SYMETRA LIFE INSURANCE COMPANY | 5,156 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,156 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.