| 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 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 13.85% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $414 | $414 | 1.12% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | VISION SERVICE PLAN | $955 | — | $955 | 6.06% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $220 | $2K | 21.36% |
| JOEL N NEWMAN AGENCY LLC3 Filed as: JOEL NEIL NEWMAN AGENCY LLC | 7808SE 28TH STREET MERCER ISLAND, WA 98040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $642 | $602 | $1K | 12.71% |
| BRIAN T MURPHY LLC3 Filed as: BRIAN T. MURPHY LLC | 5002 47TH AVENUE SW SEATTLE, WA 98136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $735 | $215 | $950 | 9.71% |
| LUIS EDUARDO CARDENAS3 | PO BOX 1983 ISSAQUAH, WA 98027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $459 | $93 | $552 | 5.64% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 SOUTH FRANKWOOD AVENUE REEDLEY, CA 93654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $174 | $13 | $187 | 1.91% |
| JOEL N NEWMAN AGENCY LLC3 Filed as: JOEL NEIL NEWMAN | 7515 86TH AVENUE SE MERCER ISLAND, WA 98040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $22 | $96 | 0.98% |
| BRANDON NORIEGA-ARANA3 | 22075 CAMELLIA AVENUE NE AURORA, OR 97002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $5 | $59 | 0.60% |
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 | 312 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 165 | $16K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 253 | $47K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 253 | $37K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 312 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.