| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIMARTINO ASSOCIATES3 | 1325 4TH AVE, STE 1705 SEATTLE, WA 98101 | THE UNION LABOR LIFE INSURANCE COMPANY | $61K | $0 | $61K | 5.00% |
| GAIL E MCGINN INSURANCE INC3 | 7021 NE 138TH PL KIRKLAND, WA 98034 | THE UNION LABOR LIFE INSURANCE COMPANY | $37K | $0 | $37K | 3.00% |
| GAIL E MCGINN INSURANCE INC3 | 7021 NE 138TH PL KIRKLAND, WA 98034 | USABLE LIFE | $20K | $0 | $20K | 6.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | 2106 PACIFIC AVE STE 501 TACOMA, WA 98402 | USABLE LIFE | $14K | $0 | $14K | 4.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 10151 SEERWOOD PARK BLVD B100 JACKSONVILLE, FL 32256 | USABLE LIFE | $6K | $0 | $6K | 1.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELFARE & PENSION ADMIN SVC, INC. EIN 91-1363171 NONE | Contract Administrator; Plan Administrator; Accounting (including auditing); Direct payment from the plan; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 10 | — | $994K |
| VERA WHOLE HEALTH INC NONE | Direct payment from the plan; Claims processing Service code 12 | PO BOX 103148 PASADENA, CA 91189 | $979K |
| ZELIS CLAIMS INTEGRITY NONE | Direct payment from the plan; Claims processing Service code 12 | 2 CROSSROADS DR BEDMINSTER, NJ 07921 | $745K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $392K |
| BARLOW & COUGHRAN, P.S. EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $72K |
| ALAFFIA HEALTH NONE | Claims processing; Direct payment from the plan Service code 12 | 169 MADISON AVE #2049 NEW YORK, NY 10016 | $44K |
| WASHINGTON CAPITAL MANAGEMENT, INC. EIN 91-1042342 NONE | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | — | $37K |
| CHANGE HEALTHCARE SOLUTIONS, LLC EIN 20-5716594 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $29K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| TRANSCARENT, INC. EIN 84-3296541 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $25K |
| GAIL E MCGINN INSURANCE INC EIN 91-1652776 NONE | Consulting (general); Direct payment from the plan; Insurance agents and brokers Service code 16 | — | $21K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $20K |
| DIMARTINO ASSOCIATES EIN 91-0378940 NONE | Direct payment from the plan; Consulting (general); Insurance agents and brokers Service code 16 | — | $19K |
| HEALTH CARE COST MGMT CORP OF AK EIN 94-3283661 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $16K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities); Float revenue Service code 19 | — | $10K |
| HIGHLAND CAPITAL ADVISORS EIN 20-4284376 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $8K |
| BANK OF AMERICA EIN 94-1687665 NONE | Float revenue; Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $8K |
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 | 1,183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 154 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 582 | $295K |
| Life insurance | USABLE LIFE | 1,342 | $312K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 111 | $125K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,336 | $1.2M |
| Other | USABLE LIFE | 1,342 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,342 | — |
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.