| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $27K | — | $27K | 3.81% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC | $24K | — | $24K | 3.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 8.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 16.25% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | — | $839 | $839 | 0.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $949 | — | $949 | 6.10% |
| JOEL N NEWMAN AGENCY LLC3 | 12360 LAKE CITY WAY NE SEATTLE, WA 98125 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $241 | $27 | $268 | 4.21% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | 601 UNION STREET SEATTLE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $203 | $2 | $205 | 3.22% |
| LAURA MCCLUNG PLYLER3 Filed as: LAURA CRADDOCK | 6820 COAL CREEK PKWY SE NEW CASTLE, WA 98059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $0 | $115 | 1.81% |
| BRIAN T MURPHY LLC3 | 5002 47TH AVE SW SEATTLE, WA 98136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | $7 | $80 | 1.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST KANSAS CITY, MO 64112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $2 | $65 | 1.02% |
| SANDRA LEE BERGMAN3 | 1880 25TH AVE NE #411 ISSAQUAH, WA 98029 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.79% |
| LUIS EDUARDO CARDENAS3 | 26341 SE DUTHIE HILL ROAD ISSAQUAH, WA 98029 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.25% |
| LAURABETH CHRISTENSEN3 | 16915 SE 272ND ST COVINGTON, WA 98042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 0.20% |
| RON BOWLING3 | 8575 W 110TH ST OVERLAND PARK, KS 66210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.13% |
| MIGUEL NIGENDA3 | 10420 24TH STREET SE LAKE STEVENS, WA 98258 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.11% |
| WHITFIELD BENEFIT SOLUTIONS3 | 341 W TUDOR ROAD ANCHORAGE, AK 99503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.08% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 169 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $137K |
| Vision | VISION SERVICE PLAN | 206 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 221 | $91K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 221 | $91K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 221 | $91K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 169 | $1.4M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 221 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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."
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.