| 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 | $41K | $2K | $44K | 5.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE CORP. | $3K | $6K | $10K | 15.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $486 | $5K | 10.63% |
| MJ INSURANCE3 Filed as: LAURA CRADDOCK AND VARIOUS AGENTS | 6820 COAL CREEK PARKWAY SE NEW CASTLE, WA 98059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $646 | $4K | 7.42% |
| BRIAN T MURPHY LLC3 Filed as: BRIAN T. MURPHY, LLC | 5002 47TH AVENUE SW SEATTLE, WA 98136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $889 | $3K | 6.75% |
| MARGARET BRYANT3 | 18014 SW BELMORE AVENUE LAKE OSWEGO, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $481 | $2K | 3.65% |
| 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 | $870 | $772 | $2K | 3.43% |
| JOEL SANDERS3 Filed as: JOEL SAMANDARI LUCAS | 2129 SOUTH BELAIR DRIVE MOSES LAKE, WA 98837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $95 | $1K | 2.76% |
| J WILSON AGENCY LLC3 Filed as: J. WILSON AGENCY, LLC | 15518 SE 133RD STREET RENTON, WA 98059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | $311 | $495 | 1.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $851 | $7K | 16.25% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 131 | $824K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 140 | $61K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 140 | $61K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $43K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 56 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $43K |
| Prescription drug | PREMERA BLUE CROSS | 131 | $824K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 155 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.