| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PREMERA BLUE CROSS | $25K | $2K | $27K | 3.20% |
| ALLIANT INSURANCE SERVICES, INC.3 | 425 NE HANCOCK STREET PORTLAND, OR 97212 | PREMERA BLUE CROSS | $0 | $341 | $341 | 0.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE CORP. | $4K | $6K | $11K | 14.13% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $961 | $8K | 16.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $576 | $4K | 11.38% |
| MJ INSURANCE3 Filed as: CARYL ESTES AND VARIOUS AGENTS | 8035 53RD AVENUE MUKILTEO, WA 98275 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $423 | $3K | 6.88% |
| MARGARET BRYANT3 | 18014 SW BELMORE AVENUE LAKE OSWEGO, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $266 | $2K | 5.81% |
| LISA LOUISE ROBBERSON3 | 13120 102ND LANE NE, SUITE 3 KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $281 | $2K | 4.75% |
| JOEL N NEWMAN AGENCY LLC3 Filed as: JOEL N. NEWMAN AGENCY, LLC | 12360 LAKE CITY WAY NE SEATTLE, WA 98125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $917 | $760 | $2K | 4.51% |
| BRIAN T MURPHY LLC3 Filed as: BRIAN T. MURPHY LLC | 5002 47TH AVENUE SW SEATTLE, WA 98136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $710 | $284 | $994 | 2.68% |
| HECHT & HECHT LIFE & HEALTH INS3 Filed as: HECHT & HECHT LIFE & HEALTH INS. | 425 NE HANCOCK PORTLAND, OR 97212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $546 | $0 | $546 | 1.47% |
| MARGARET BRYANT3 | 18014 SW BELMORE AVENUE LAKE OSWEGO, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $183 | $1K | 4.81% |
| MJ INSURANCE3 Filed as: BRIAN MURPHY LLC AND VARIOUS AGENTS | 5002 47TH AVENUE SW SEATTLE, WA 98136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $862 | $278 | $1K | 4.27% |
| HECHT & HECHT LIFE & HEALTH INS3 Filed as: HECHT & HECHT LIFE & HEALTH INS. | 425 NE HANCOCK PORTLAND, OR 97212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $956 | $0 | $956 | 3.58% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $795 | $82 | $877 | 3.29% |
| LISA LOUISE ROBBERSON3 | 13120 102ND LANE NE, SUITE 3 KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $580 | $99 | $679 | 2.54% |
| JOEL N NEWMAN AGENCY LLC3 Filed as: JOEL N. NEWMAN AGENCY, LLC | 7808 SE 28TH STREET MERCER, WA 98040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $191 | $387 | 1.45% |
| CARYL ESTES3 | 8035 53RD AVENUE MUKILTEO, WA 98275 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $78 | $267 | 1.00% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 171 | $849K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 158 | $75K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 158 | $75K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $48K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 68 | $64K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $48K |
| Prescription drug | PREMERA BLUE CROSS | 171 | $849K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.