| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST COAST INSURANCE SERVICES INC3 | 916 MAIN STREET VANCOUVER, WA 98660 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | 10.39% |
| ALLIANT INSURANCE SERVICES, INC.3 | 916 MAIN STREET VANCOUVER, WA 98660 | PRINCIPAL LIFE INSURANCE COMPANY | -$6 | $0 | -$6 | -0.01% |
| WEST COAST INS SVC INC3 Filed as: WEST COAST INSURANCE SERVILCES INC. | 916 MAIN STREET VANCOUVER, WA 98666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $230 | $2K | 14.68% |
| WORKSITE BENEFITS GROUP INC3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $198 | $420 | 2.91% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $79 | $338 | 2.34% |
| MJ INSURANCE3 Filed as: ZARA ANNE PINES AND VARIOUS AGENTS | PO BOX 80338 PORTLAND, OR 97280 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $0 | $273 | 1.89% |
| PROPEL INSURANCE3 Filed as: PROPEL ISURANCE AGENCY LLC | UNKNOWN TACOMA, WA 98402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $0 | $199 | 1.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 222 SW COLUMBIA STREET PORTLAND, OR 97201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 1.24% |
| GABRIEL ANGEL CANALS3 | 1329 NE 236TH AVENUE WOOD VILLAGE, OR 97060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $101 | $168 | 1.16% |
| WEST COAST INSURANCE SERVICES INC3 | 916 MAIN STREET VANCOUVER, WA 98660 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $705 | $0 | $705 | 6.00% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 310 | $110K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 56 | $12K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 310 | $125K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 310 | $110K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.