| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 2106 PACIFIC AVENUE, SUITE 501 TACOMA, WA 98402 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.20% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT STREET, 11TH FLOOR BOSTON, MA 02108 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11200 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.15% |
| BENSLER LLC3 | UNKNOWN BELLEVUE, WA 98004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 9.59% |
| HEATHER THURMAN RICHINS3 Filed as: HEATHER T. RICHINS AND OTHER AGENTS | 12608 NE 114TH PLACE KIRKLAND, WA 98033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $622 | $4K | 7.69% |
| JASON BERRY3 | 19728 76TH AVENUE WEST, SUITE 104 LYNNWOOD, WA 89036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $56 | $2K | 5.40% |
| LAURA MCCLUNG PLYLER3 Filed as: LAURA CRADDOCK | 6820 COAL CREEK PARKWAY SE NEW CASTLE, WA 98059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $166 | $2K | 4.39% |
| CHRISTOPHER ROBERT BERRY3 | 20110 75TH AVENUE WEST LYNNWOOD, WA 98036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $845 | $629 | $1K | 3.20% |
| RYAN G YOUNG3 Filed as: RYAN G. YOUNG | 336 NORTH PALM STREET VAN, TX 75790 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $553 | $411 | $964 | 2.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 2016 PACIFIC AVENUE TACOMA, WA 98402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $810 | $0 | $810 | 1.76% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $142K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $142K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $188K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $142K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $142K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.