| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $19K | $0 | $19K | 4.57% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $48K | $0 | $48K | 15.00% |
| BARBARA M DICKSON3 Filed as: BARBARA DICKSON | 8040 161ST AVENUE NE, SUITE 411 REDMOND, WA 98052 | AFLAC | $11K | $1K | $12K | 8.30% |
| NORTHWEST BENEFIT ADVISORS, INC.3 | 16826 NE 91ST STREET REDMOND, WA 98052 | AFLAC | $10K | $0 | $10K | 6.50% |
| MJ INSURANCE3 Filed as: SCOTT STOBAUGH AND VARIOUS AGENTS | 704 228TH AVENUE NE, SUITE 774 SAMMAISH, WA 98980 | AFLAC | $2K | $0 | $2K | 1.42% |
| SANDRA M LOHNES3 Filed as: SANDRA M. LOHNES | PO BOX 678 EASTON, WA 98925 | AFLAC | $1K | $205 | $2K | 1.10% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOHN HANNANT | 14830 NE 167TH STREET WOODINVILLE, WA 98072 | AFLAC | $1K | $205 | $1K | 0.90% |
| BRAD FISHER3 | 915 2ND AVENUE, M/S W214 SEATTLE, WA 98174 | AFLAC | $613 | $0 | $613 | 0.41% |
| DEBORAH R. WALLACE3 | 8040 161ST AVENUE NE, SUITE 349 REDMOND, WA 98052 | AFLAC | $513 | $0 | $513 | 0.34% |
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 | 643 | 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) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 855 | $406K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,284 | $468K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,284 | $319K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,284 | $319K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,284 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,284 | — |
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.