| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: KIBLLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32K | $249 | $32K | 11.37% |
| MJ INSURANCE3 Filed as: LAURA CRADDOCK AND VARIOUS AGENTS | 6820 COAL CREEK PARKWAY SE NEW CASTLE, WA 98059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $529 | $4K | 1.57% |
| LUIS EDUARDO CARDENAS3 | 26341 SOUTHEAST DUTHIE HILL ROAD ISSAQUAH, WA 98029 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $125 | $4K | 1.25% |
| BRIAN T MURPHY LLC3 | 5002 47TH AVENUE SW SEATTLE, WA 98136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $309 | $3K | 1.16% |
| CALEB ANTHONY LAW3 | 19807 2ND DRIVE SE BOTHELL, WA 98012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $380 | $3K | 0.90% |
| JOEL SANDERS3 Filed as: JOEL SAMANDARI LUCAS | 2129 SOUTH BELAIR DRIVE MOSES LAKE, WA 98837 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $102 | $2K | 0.78% |
| JOEL N NEWMAN AGENCY LLC3 | 924-B NORTHWEST 52ND STREET SEATTLE, WA 98107 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $217 | $2K | 0.73% |
| LUIS EDUARDO CARDENAS3 Filed as: LUIS EDUARDO CARDENAS AND AGENTS | 26341 SOUTHEAST DUTHIE HILL ROAD ISSAQUAH, WA 98029 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $779 | $64 | $843 | 0.30% |
| COREY HULSEY3 Filed as: COREY ZINICOLA | 4717 200TH STREET SW LYNNWOOD, WA 98036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $230 | $0 | $230 | 0.08% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: KIBLLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $0 | $168 | $168 | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRE, LA 70002 | SYMETRA LIFE INSURANCE COMPANY | $0 | $63 | $63 | 0.75% |
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 | 685 | 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) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 672 | $293K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 374 | $285K |
| Long-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 374 | $285K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 672 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.