| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERG BENEFITS, INC. Filed as: BERG BENEFITS | PO BOX 66029 TACOMA, WA 98464 | PHYSICIANS INSURANCE A MUTUAL COMPANY | $36K | — | $36K | 13.00% |
| SANDRA LEE BERGMAN3 | 1880 25TH AVE NE #411 ISSAQUAH, WA 98029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 9.89% |
| RANDALL LEE WALLACE3 | 3320 GRAVELY BEACH LOOP NW OLYMPIA, WA 98502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $48 | $1K | 5.33% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DRIVE SE OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $549 | $253 | $802 | 3.09% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 Filed as: DOUGLAS EDWARD VIESELMEYER | 14405 115TH AVE CT E PUYALLUP, WA 98374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $390 | $19 | $409 | 1.58% |
| ANTONIO JOSE ANGELES3 Filed as: ANTONIO MICHAEL JAIME | 24345 252ND AVE SE MAPLE VALLEY, WA 98038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | $75 | $242 | 0.93% |
| RONALD JONES3 | 320 NANCY CT MOSCOW, ID 83843 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.50% |
| EDWARD E SANCHEZ3 | 20603 15TH AVE S SEATAC, WA 98198 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 0.49% |
| MEGHAN B THOMPSON3 Filed as: MEGHAN B THAMPSON | 15703 NE 1ST PL BELLEVILLE, WA 98008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.27% |
| JASON BERRY3 | 21726 58 AVE WEST MOUNTLAKE TERRACE, WA 98043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.26% |
| MELODY ANN OVERLAND3 | 8030 KENTON LN SE TUMWATER, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $13 | $64 | 0.25% |
| WA EMPLOYEE BENEFITS LLC3 | 24519 36TH AVE S KENT, WA 98032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $14 | $19 | 0.07% |
| CHRISTOPHER ROBERT BERRY3 | 27108 162ND ST SE MONROE, WA 98272 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.03% |
| DEANA SCHROEDER3 | 23115 120TH AVE SE KENT, WA 98031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| TERESA FELLER3 | 3405 172ND STREET NE STE 5 ARLINGTON, WA 98223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| MANAMI IMAOKA3 | 16925 125TH PL SE RENTON, WA 98058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| JASON JONES3 | 5 VIA DE LA MESA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| SANDRA LEE BERGMAN3 | 1880 25TH AVE NE #411 ISSAQUAH, WA 98029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $977 | — | $977 | 5.04% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DRIVE SE OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | $106 | $415 | 2.14% |
| RANDALL LEE WALLACE3 | 3320 GRAVELY BEACH LOOP NW OLYMPIA, WA 98502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $384 | $14 | $398 | 2.05% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 Filed as: DOUGLAS EDWARD VIESELMEYER | 14405 115TH AVE CT E PUYALLUP, WA 98374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $6 | $187 | 0.96% |
| RONALD JONES3 | 320 NANCY CT MOSCOW, ID 83843 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | — | $184 | 0.95% |
| EDWARD E SANCHEZ3 | 20603 15TH AVE S SEATAC, WA 98198 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 0.71% |
| ANTONIO JOSE ANGELES3 Filed as: ANTONIO MICHAEL JAIME | 24345 252ND AVE SE MAPLE VALLEY, WA 98038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $25 | $127 | 0.65% |
| MEGHAN B THOMPSON3 | 15703 NE 1ST PL BELLEVILLE, WA 98008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.45% |
| ZACHAREE KEITH SIAHPUSH3 | 4412 RENTON AVE S SEATTLE, WA 98108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $36 | $81 | 0.42% |
| WA EMPLOYEE BENEFITS LLC3 | 24519 36TH AVE S KENT, WA 98032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $14 | $19 | 0.10% |
| CHRISTOPHER ROBERT BERRY3 | 27108 162ND ST SE MONROE, WA 98272 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $5 | $13 | 0.07% |
| JOEL N NEWMAN AGENCY LLC3 | 924-B NW 52ND ST SEATTLE, WA 98107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $2 | $9 | 0.05% |
| JASON JONES3 | 5 VIA DE LA MESA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| DEANA SCHROEDER3 | 23115 120TH AVE SE KENT, WA 98031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| TERESA FELLER3 | 3405 172ND STREET NE STE 5 ARLINGTON, WA 98223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| CARYL ESTES3 | 15907 ASH WAY LYNNWOOD, WA 98087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| MANAMI IMAOKA3 | 16925 125 PL SE RENTON, WA 98502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| STEPHANIE GREGOIRE3 | 2108 SOROYA CT SW UNIT B OLYMPIA, WA 98502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| SANDRA LEE BERGMAN3 | 1880 25TH AVE NE #411 ISSAQUAH, WA 98029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.40% |
| RANDALL LEE WALLACE3 | 3320 GRAVELY BEACH LOOP NW OLYMPIA, WA 98502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $687 | $24 | $711 | 5.13% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DRIVE SE OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | $116 | $393 | 2.84% |
| DOUGLAS EDWARD VISESELMEYER3 Filed as: DOUGLAS EDWARD VEISELMEYER | 14405 115TH AVE CT E PUYALLUP, WA 98374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $10 | $223 | 1.61% |
| ANTONIO JOSE ANGELES3 Filed as: ANTONIO MICHAEL JAIME | 24345 252ND AVE SE MAPLE VALLEY, WA 98038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $25 | $78 | 0.56% |
| CARYL ESTES3 | 15907 ASH WAY LYNNWOOD, WA 98087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.18% |
| RONALD JONES3 | 320 NANCY CT MOSCOW, ID 83843 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.17% |
| MEGHAN B THOMPSON3 Filed as: MEGHAN B THAMPSON | 15703 NE 1ST PL BELLEVILLE, WA 98008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.13% |
| ELENA HOULE3 | 607 29TH ST SE AUBURN, WA 98002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| DEANA SCHROEDER3 | 23115 120TH AVE SE KENT, WA 98031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTEED PLANS SERVICE CORPORATION EIN 91-0780588 NONE | Contract Administrator Service code 13 | — | $54K |
| FIRST CHOICE HEALTH EIN 91-1272766 NONE | Other services Service code 49 | — | $10K |
| AMERICAN HEALTH HOLDING EIN 31-1367946 NONE | Other services Service code 49 | — | $5K |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | PHYSICIANS INSURANCE A MUTUAL COMPANY | 169 | $277K |
| Other(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 28 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.