| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 10900 NE 8TH STREET, SUITE 750 BELLEVUE, WA 98004 | DELTA DENTAL OF WASHINGTON | $7K | $0 | $7K | 4.58% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | PO BOX 62949 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $4K | $16K | 12.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10900 NE 8TH STREET, SUITE 750 BELLEVUE, WA 98004 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $63 | $10K | 7.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $598 | $598 | 0.45% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | 601 UNION STREET SEATTLE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $19 | $4K | 4.49% |
| ACRIALPS LLC3 Filed as: ACRIALPS, LLC | UNKNOWN GRANDRAPIDS, MI 49501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.15% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L. WARE INC & OTHER AGENTS | 11425 PERUGINO DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $92 | $1K | 1.39% |
| JOEL N NEWMAN AGENCY LLC3 Filed as: JOEL N. NEWMAN AGENCY, LLC | 924B NW 52ND STREET SEATTLE, WA 98107 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $279 | $35 | $314 | 0.33% |
| BRIGATA LLC3 Filed as: BRIGATA, LLC | 18 OLD APPLEWOOD LANE HENDERSONVILLE, NC 28739 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $271 | $0 | $271 | 0.29% |
| ROGER STUART KENCHEL3 | 2588 EL CAMINO REAL, SUITE F188 CARLSBAD, CA 92008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $192 | $0 | $192 | 0.20% |
| BRIAN T MURPHY LLC3 Filed as: BRIAN T. MURPHY LLC | 5002 47TH AVENUE SW SEATTLE, WA 98136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $169 | $0 | $169 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10900 NE 8TH STREET, SUITE 750 BELLEVUE, WA 98004 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $3K | $0 | $3K | 4.77% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | PO BOX 62949 VIRGINIA BEACH, VA 23466 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $2K | $0 | $2K | 3.23% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | PO BOX 62949 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $744 | $0 | $744 | 4.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $203 | $0 | $203 | 1.19% |
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 | 377 | 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) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 259 | $214K |
| Vision | VISION SERVICE PLAN | 286 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 415 | $134K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 415 | $134K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 415 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.