| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMBER PRODUCTS MANUFACTURERS3 | 951 E 3RD AVE SPOKANE, WA 99202 | SYMETRA LIFE INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 401 UNION ST STE 3000 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | — | $12K | $12K | 5.53% |
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVE NE #110 SEATTLE, WA 98115 | SYMETRA LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| TIMBER PRODUCTS MANUFACTURERS3 | 951 E 3RD AVE SPOKANE, WA 99202 | SYMETRA LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 401 UNION ST STE 3000 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | — | $10K | $10K | 5.54% |
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVE NE #110 SEATTLE, WA 98115 | SYMETRA LIFE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| TIMBER PRODUCTS MANUFACTURERS3 | 951 E 3RD AVE SPOKANE, WA 99202 | SYMETRA LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 401 UNION ST STE 3000 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.09% |
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVE NE #110 SEATTLE, WA 98115 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $2.5M |
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 NONE | Consulting (general); Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 16 | — | $998K |
| TIMBER PRODUCTS MANUFACTURERS EIN 91-0820598 PLAN SPONSOR | Plan Administrator; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $894K |
| BLUE CROSS BLUE SHIELD OF MONTANA EIN 36-1236610 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $464K |
| GROUP BENEFITS, LLC EIN 26-2229784 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $325K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $255K |
| THE MURRAY GROUP EIN 20-0936230 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $249K |
| DELTA DENTAL OF WASHINGTON EIN 91-0621480 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $231K |
| HUB INTERNATIONAL NORTHWEST, LLC EIN 91-2036015 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $226K |
| A.W. REHN & ASSOCIATES, INC. EIN 91-1008626 NONE | Copying and duplicating; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 13 | — | $202K |
| WASHINGTON TRUST BANK NONE | Investment management fees paid directly by plan; Investment management Service code 28 | PO BOX 2127 SPOKANE, WA 99210 | $86K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $86K |
| CLIFTONLARSONALLEN LLP EIN 91-0614823 NONE | Other services; Accounting (including auditing); Direct payment from the plan Service code 10 | — | $83K |
| TURNER CONSULTING AND ACTUARIAL EIN 26-2178231 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $83K |
| HUB INTERNATIONAL MOUNTAIN STATES EIN 83-0185720 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $71K |
| ROCKY MOUNTAIN INSURANCE GROUP, INC EIN 20-5531412 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $64K |
| MONTGOMERY & GRAHAM, INC. EIN 91-1819536 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $50K |
| PAYNEWEST INSURANCE, INC. EIN 81-0479558 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $47K |
| FOURNIER INUSRANCE SOLUTIONS NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 5712 S ORCHARD ST UNIVERSITY PLACE, WA 98467 | $39K |
| KPD INSURANCE, INC. EIN 93-0843355 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $32K |
| VISION SERVICE PLAN EIN 91-6056925 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $30K |
| SOUTHWEST WASHINGTON CONTRACTORS AS NONE | Direct payment from the plan; Consulting (general); Other services Service code 16 | 7017 NE HWY 99 SUITE 116 VANCOUVER, WA 98665 | $28K |
| POST INSURANCE SERVICES, INC. NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | $28K |
| LARSEN LAW EIN 27-3524884 NONE | Legal; Direct payment from the plan Service code 29 | — | $25K |
| ADVANCED BENEFITS NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 2448 N MERRITT CREEK LOOP COEUR DALENE, ID 83814 | $24K |
| LEAVITT WEST NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 724 2ND ST E KALISPELL, MT 59901 | $21K |
| SHANDRO GROUP NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 3380 W AMERICANA TERRACE SUITE 330 BOISE, ID 83706 | $15K |
| USI NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | $14K |
| H & H INSURANCE NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2817 REGAL RD SUITE 108 PLANO, TX 75075 | $12K |
| DIGITAL BENEFITS ADVISORS EIN 58-2522668 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $12K |
| KEENLY BENEFITS NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3380 W AMERICANA TERRACE SUITE 330 BOISE, ID 83706 | $6K |
| BIGGS INSURANCE NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 105 W. EVERGREEN BLVD SUITE 200 VANCOUVER, WA 98660 | $6K |
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 | 5,856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | SYMETRA LIFE INSURANCE COMPANY | 6,539 | $524K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 6,539 | $219K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 947 | $123K |
| Stop-loss / reinsurancereinsurance | LIFEWISE ASSURANCE COMPANY | 5,985 | $2.6M |
| Other(3 contracts) | SYMETRA LIFE INSURANCE COMPANY | 6,539 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,539 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.