| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 916 MAIN STREET VANCOUVER, WA 98660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | $0 | $43K | 3.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | 105 WEST EVERGRREEN BOULEVARD SUITE 200 VANCOUVER, WA 98660 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $11K | 8.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 189 VANCOUVER, WA 98666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 18.52% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $407 | $188 | $595 | 3.67% |
| WORKSITE BENEFITS GROUP INC3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $217 | $416 | 2.57% |
| MJ INSURANCE3 Filed as: GABRIEL CANALS AND VARIOUS AGENTS | 1329 NE 236TH AVENUE WOOD VILLAGE, OR 97060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $43 | $222 | 1.37% |
| PROPEL INSURANCE AGENCY LLC3 | UNKNOWN TACOMA, WA 98402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $0 | $182 | 1.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | 222 SW COLUMBIA STREET PORTLAND, OR 97201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $0 | $180 | 1.11% |
| PATRICK IAN WAGNER3 | 2232 HIGH COUNTRY DRIVE CARROLLTON, TX 75007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 0.53% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $621 | $0 | $621 | 5.10% |
| WEST COAST INSURANCE SERVICES INC3 Filed as: WEST COAST INSURANCE SERVICES | 916 MAIN STREET VANCOUVER, WA 98660 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $165 | $0 | $165 | 1.35% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 333 | $120K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 65 | $12K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 333 | $136K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 333 | $120K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $1.1M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.