| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MADDOCK & ASSOCIATES LLC3 | 1407 WILLOW ROAD EAST SUITE C FIFE, WA 98424 | REGENCE BLUESHIELD | $64K | — | $64K | 5.50% |
| MADDOCK & ASSOCIATES LLC3 | 1407 WILLOW ROAD EAST SUITE C FIFE, WA 98424 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 5.02% |
| LAURABETH CHRISTENSEN3 | 19203 144TH ST E BONNEY LAKE, WA 98391 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $49 | $3K | 6.94% |
| CALEB ANTHONY LAW3 | 19807 2ND DR SE BOTHELL, WA 98012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.38% |
| MARISSA GUILLERMO3 | 6553 BEACON AVE S SEATTLE, WA 98108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $513 | — | $513 | 1.38% |
| KYLEE STUDIOSO3 | 19107 83RD AVE W EDMONDS, WA 98026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $321 | — | $321 | 0.86% |
| NICHOLAS STEVEN WALLACE3 | 3115 ALDERWOOD AVE BELLINGHAM, WA 98225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| JOEL N NEWMAN AGENCY LLC3 Filed as: JOEL NEWMAN AGENCY | 924-B NW 52ND ST SEATTLE, WA 98107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 132 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 137 | $151K |
| Vision | REGENCE BLUESHIELD | 132 | $1.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 137 | $151K |
| Short-term disability | STANDARD INSURANCE COMPANY | 137 | $151K |
| Long-term disability | STANDARD INSURANCE COMPANY | 137 | $151K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 40 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.