| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | 1501 4TH AVE SUITE 2400 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $462 | — | $462 | 1.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELFARE & PENSION ADMINISTRATIVE SV EIN 91-1363171 NONE | Plan Administrator; Direct payment from the plan; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $73K |
| BROWN & BROWN OF WASHINGTON INC EIN 91-0378940 NONE | Consulting (general); Direct payment from the plan; Insurance services Service code 16 | — | $50K |
| LAW OFFICES OF JACK R BURNS EIN 91-0871145 NONE | Legal; Direct payment from the plan Service code 29 | — | $16K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $13K |
| INTERNATIONAL FOUNDATION OF EBPS NONE | Other services; Direct payment from the plan Service code 49 | 18700 W. BLUEMOUND RD. BROOKFIELD, WI 53045 | $7K |
| QUEST INVESTMENT MANAGEMENT NONE | Investment management fees paid directly by plan; Investment management Service code 28 | ONE SW COLUMBIA ST., SUITE 1100 PORTLAND, OR 97258 | $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 | 441 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 270 | $1.6M |
| Dental | DELTA DENTAL OF WASHINGTON | 321 | $167K |
| Vision | VISION SERVICE PLAN | 316 | $19K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 313 | $27K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 313 | $27K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 313 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.