| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $0 | $31K | 12.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $2K | $0 | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $884 | $0 | $884 | 5.00% |
| JOEL N NEWMAN AGENCY LLC3 Filed as: JOEL N. NEWMAN AGENCY, LLC | 924-B NW 52ND STREET SEATTLE, WA 98107 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $244 | $0 | $244 | 2.26% |
| LIFE AND HEALTH UNDERWRITERS, INC.3 Filed as: LIFE & HEALTH UNDERWRITERS, INC. | 936 9TH AVENUE NORTH EDMONDS, WA 98020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $142 | $0 | $142 | 1.32% |
| BRIAN T MURPHY LLC3 Filed as: BRIAN T. MURPHY, LLC | 5002 47TH AVENUE SW SEATTLE, WA 98136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 0.87% |
| LAURABETH CHRISTENSEN3 Filed as: LAURABETH CHRISTENSED | 16915 SE 272ND STREET KENT, WA 98042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.06% |
| THE MURRAY GROUP3 Filed as: THE MURRAY GROUP, INC. | 51 MELROSE AVENUE SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.05% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 51 MELROSE AVENUE SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $751 | $0 | $751 | 7.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | LIFEMAP ASSURANCE COMPANY | $291 | $0 | $291 | 20.22% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $253K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 82 | $61K |
| Vision | VISION SERVICE PLAN | 83 | $10K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 107 | $12K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 11 | $11K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $253K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 107 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.