| 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 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $21K | $0 | $21K | 4.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 9.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 8.47% |
| MORGAN LAURENCE CONNELLY3 | 7611 1ST AVENUE NORTHWEST SEATTLE, WA 98117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $4K | 4.59% |
| JOEL N NEWMAN AGENCY LLC3 Filed as: JOEL N. NEWMAN AGENCY LLC | 924-B NORTHWEST 52ND STREET SEATTLE, WA 98107 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $420 | $2K | 2.53% |
| MJ INSURANCE3 Filed as: CARYL ESTES AND VARIOUS AGENTS | 15907 ASH WAY LYNNWOOD, WA 98087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $162 | $2K | 2.45% |
| BRIAN T MURPHY LLC3 Filed as: BRIAN T. MURPHY LLC | 5002 47TH AVENUE SOUTHWEST SEATTLE, WA 98136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $175 | $2K | 2.12% |
| MARGARET BRYANT3 | 18014 SOUTHWEST BELMORE AVENUE LAKE OSWEGO, OR 97035 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $141 | $1K | 1.76% |
| MELINA ALOIAN3 | 11928 SOUTHEAST 211ND PLACE KENT, WA 98031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.44% |
| LUIS EDUARDO CARDENAS3 | 26341 SOUTHEAST DUTHIE HILL ROAD ISSAQUAH, WA 98029 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $17 | $1K | 1.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SVCS. & VARIOUS AGENTS | 425 NORTHEAST HANCOCK PORTLAND, OR 97212 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $385 | $31 | $416 | 0.52% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $5K | $0 | $5K | — |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 77 | $440K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $90K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $90K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $170K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $170K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 77 | $440K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.