| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC. - ANDONIAN | 5713 WOLLOCHET DR NW GIG HARBOR, WA 98335 | DELTA DENTAL OF WASHINGTON | $10K | — | $10K | 9.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | SUITE 300 400 GALLERIA PKWY ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| AXA ASSISTANCE, USA5 | 122 S. MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY | $0 | $54 | $54 | 0.12% |
| VENISA YOUNG3 | 1218 D PLACE SE AUBURN, WA 98002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | $86 | $441 | 4.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $387 | $40 | $427 | 4.02% |
| CALEB ANTHONY LAW3 | 4824 186TH PLACE SW LYNNWOOD, WA 98037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $132 | $226 | 2.13% |
| JOEL N NEWMAN AGENCY LLC3 | 7808 SE 28TH ST MERCER ISLAND, WA 98040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $111 | $225 | 2.12% |
| WHITFIELD BENEFIT SOLUTIONS3 | 341 W. TUDOR ROAD ANCHORAGE, AK 99503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 1.85% |
| LAURABETH CHRISTENSEN3 | 4824 186TH PLACE W LYNNWOOD, WA 98037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $111 | $168 | 1.58% |
| BRIAN T MURPHY LLC3 | 5002 47TH AVE SW SEATTLE, WA 98136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $34 | $109 | 1.03% |
| KELSEY LAINE WATKINS3 | 725 SPRUCE STREET EDMONDS, WA 98020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $2 | $23 | 0.22% |
| ZINA OSTER3 | 3153 FOREST DR CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.16% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 13 | $11K |
| Dental | DELTA DENTAL OF WASHINGTON | 184 | $110K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY | 176 | $46K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY | 176 | $46K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY | 176 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.