| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA - TACOMA | 2106 PACIFIC AVENUE, SUITE 501 TACOMA, WA 98402 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $27 | $2K | $2K | 0.11% |
| VIMLY BENEFIT SOLUTIONS INC5 | 12121 HARBOUR REACH DR, SUITE 105 MUKILTEO, WA 98275 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | 2106 PACIFIC AVENUE, SUITE 501 TACOMA, WA 98402 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $63 | $3K | 5.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA DBA DIMARTINO | PO BOX 743044 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $63 | $2K | 3.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | 800 5TH AVENUE, SUITE 2400 SEATTLE, WA 98104 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $123 | $123 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | 2106 PACIFIC AVENUE, SUITE 501 TACOMA, WA 98402 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $63 | $4K | 9.57% |
| VIMLY BENEFIT SOLUTIONS INC5 | 12121 HARBOUR REACH DRIVE, STE 105 MUKILTEO, WA 98275 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA DBA DIMARTINO | PO BOX 743044 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $63 | $1K | 3.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | 800 5TH AVENUE, SUITE 2400 SEATTLE, WA 98104 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $94 | $94 | 0.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BORNW OF WASHINGTON INC | 2106 PACIFIC AVENUE SUITE 501 TACOMA, WA 98402 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $63 | $3K | 8.81% |
| VIMLY BENEFIT SOLUTIONS INC5 | 12121 HARBOUR REACH DRIVE, STE 105 MUKILTEO, WA 98275 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA DBA DIMARTINO | PO BOX 743044 LOS ANGELES, CA 98275 | METROPOLITAN LIFE INSURANCE COMPANY | $822 | $63 | $885 | 2.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | 800 5TH AVENUE, SUITE 2400 SEATTLE, WA 98104 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $76 | $76 | 0.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF WASHINGTON, INC. EIN 91-0378940 NONE | Other services; Direct payment from the plan; Plan Administrator; Insurance agents and brokers Service code 14 | — | $625K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 13 | — | $220K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
| NORTHWEST CREDIT UNION ASSOCIATION EIN 91-0460483 ASSN OF CONTRIB EMPL | Direct payment from the plan; Other services Service code 49 | — | $11K |
| BARLOW COUGHRAN MORALES & JOSEPHSON EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $5K |
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 | 4,295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 4 carriers) | PREMERA BLUE CROSS | 22,820 | $16.5M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF WASHINGTON | 2,744 | $1.7M |
| Vision | VISION SERVICE PLAN | 2,094 | $207K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,976 | $336K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 410 | $80K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,803 | $395K |
| Prescription drug(7 contracts, 3 carriers) | PREMERA BLUE CROSS | 22,820 | $16.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,601 | $394K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,820 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.