| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUEBENEFITS LLC3 | 601 UNION STREET, SUITE 3400 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $12K | $0 | $12K | 4.56% |
| TRUEBENEFITS LLC3 | 601 UNION STREET, SUITE 3400 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $11K | $0 | $11K | 4.51% |
| TRUEBENEFITS LLC3 | 601 UNION STREET, SUITE 3400 SEATTLE, WA 98101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN KENT, WA 98035 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 3.94% |
| DOUGLAS EDWARD VIESELMEYER3 | 14405 115TH AVENUE COURT EAST PUYALLUP, WA 98374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $446 | $319 | $765 | 4.88% |
| DARWIN JAMES POWELL3 | 11036 SOUTHEAST 223RD PLACE KENT, WA 98031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $470 | $116 | $586 | 3.74% |
| NICHOLAS J WOOG3 | 5510 SEWARD PARK AVENUE SOUTH SEATTLE, WA 98118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | $43 | $318 | 2.03% |
| LUIS EDUARDO CARDENAS3 Filed as: LUIS E CARDENAS AND VERIOUS AGENTS | 26341 SOUTHEAST DUTHIE HILL ROAD ISSAQUAH, WA 98029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | $23 | $308 | 1.97% |
| ROBERT WILLIAM PLATTE3 | 15221 2227TH AVENUE NORTHEAST WOODINVILLE, WA 98077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | $8 | $229 | 1.46% |
| MELODY ANN OVERLAND3 | 7009 WEST MCMAHON WAY PEORIA, AZ 85345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $11 | $159 | 1.01% |
| ZACHAREE KEITH SIAHPUSH3 | 4412 RENTON AVENUE SOUTH SEATTLE, WA 98108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $5 | $26 | 0.17% |
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 | 93 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98 | 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 | 79 | $505K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $56K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 8 | $16K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 79 | $505K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 8 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.