| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $103K | $0 | $103K | 7.13% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $70K | $0 | $70K | 4.87% |
| THE VANCOUVER CLINIC P.S., INC.3 | 700 NE 87TH AVENUE VANCOUVER, WA 98664 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $21K | $21K | 1.43% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $438 | $438 | 0.03% |
| PREMIER WORKSHITE SOLUTIONS INC.3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $7K | $16K | 7.30% |
| KERR-CRUICKSHANK, INC.3 Filed as: KERR-CRUICKSHANK INC. | 11740 SW 68TH PARKWAY PORTLAND, OR 97223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $0 | $10K | 4.57% |
| KAREN CLAY KUNKLER3 | 1709 NW 45TH AVENUE CAMAS, WA 98607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $746 | $7K | 3.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $708 | $6K | 2.70% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN INC. | 2101 NE 279TH STREET RIDGEFILED, WA 98642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $961 | $4K | 1.72% |
| MAR A. GROVE AND OTHER AGENTS3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $361 | $2K | 0.91% |
| MARK J ROBISON3 Filed as: MARK J. ROBISON | 1255 KIENAS ROAD KALISPELL, MT 59901 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $536 | $0 | $536 | 0.24% |
| KERR-CRUICKSHANK, INC.3 Filed as: KERR-CRUICKSHANK INC. | 11740 SW 68TH PARKWAY PORTLAND, OR 97223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 5.85% |
| PREMIER WORKSHITE SOLUTIONS INC.3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $789 | $3K | 4.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $784 | $94 | $878 | 1.35% |
| KAREN CLAY KUNKLER3 | 1709 NW 45TH AVENUE CAMAS, WA 98607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $761 | $80 | $841 | 1.29% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN INC. | 2101 NE 279TH STREET RIDGEFILED, WA 98642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $701 | $105 | $806 | 1.24% |
| HEARTEASE LLC3 Filed as: HEARTEASE LLC AND OTHER AGENTS | 1521 NE 63RD AVENUE HILLSBORO, OR 97124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $553 | $43 | $596 | 0.91% |
| CHRISTINE LYNN MORGESTER3 | 988 SW 26TH STREET TROUTDALE, OR 97060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $259 | $0 | $259 | 0.40% |
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 | 1,389 | 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) | 1,389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 1,383 | $346K |
| Vision | VISION SERVICE PLAN | 1,013 | $214K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,389 | $1.4M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,389 | $1.4M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,389 | $1.4M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,503 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,503 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.