| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $36K | — | $36K | 4.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $32K | — | $32K | 4.98% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC. ANDONIAN | 5713 WOLLOCHET DR NW GIG HARBOR, WA 98335 | DELTA DENTAL OF WASHINGTON | $12K | — | $12K | 10.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | SUITE 1950 200 GALLERIA PKWY ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $54 | $54 | 0.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $571 | $4K | 15.05% |
| JOEL N NEWMAN AGENCY LLC3 | 12360 LAKE CITY WAY NE SEATTLE, WA 98125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 8.97% |
| CALEB ANTHONY LAW3 | 19807 2ND DR SE BOTHELL, WA 98012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $861 | $1K | $2K | 8.18% |
| KATHLEEN BYRNE3 Filed as: KATHLEEN COLLINS | 1717 SW HENDERSON ST SEATTLE, WA 98106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $70 | $1K | 4.48% |
| BRIAN T MURPHY LLC3 | 5002 47TH AVE SW SEATTLE, WA 98136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $732 | $299 | $1K | 3.64% |
| DANIEL PAEK3 | 1709 SOUTH 87TH STREET TACOMA, WA 98444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $503 | $316 | $819 | 2.89% |
| KELSEY LAINE WATKINS3 | 725 SPRUCE STREET EDMONDS, WA 98020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $493 | $69 | $562 | 1.98% |
| LAURABETH CHRISTENSEN3 | 19807 2ND DR SE BOTHELL, WA 98012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $366 | $509 | 1.80% |
| KRISTA MARIE HURLOCKER3 | 2325 HOWARD AVE NE #B EVERETT, WA 98203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | — | $399 | 1.41% |
| HR BENEFITS SERVICES, INC.3 Filed as: NW BENEFITS GROUP LLC | 3104 MCALLISTER ST DUPONT, WA 98327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $84 | $247 | 0.87% |
| WHITFIELD BENEFIT SOLUTIONS3 | 341 W. TUDOR ROAD ANCHORAGE, AK 99503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 0.69% |
| BRIAN WHITE3 Filed as: BRIAN RODERICK | 3104 MCALLISTER ST DUPONT, WA 98327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $53 | $70 | 0.25% |
| ZINA OSTER3 | 3153 FOREST DR CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.07% |
| VENISA YOUNG3 | 1218 D PLACE SE AUBURN, WA 98002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $1K | — | $1K | 5.64% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 109 | $1.4M |
| Dental | DELTA DENTAL OF WASHINGTON | 204 | $120K |
| Vision | VISION SERVICE PLAN | 124 | $19K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 161 | $63K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 161 | $63K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 161 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.