| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST COAST INSURANCE SERVICES INC3 Filed as: WEST COAST INS SVCS | 916 MAIN STREET VANCOUVER, WA 98660 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $4K | $9K | 7.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX INC | 1250 SOUTH CAPITAL OF TX HWY WEST LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.92% |
| WEST COAST INSURANCE SERVICES INC3 Filed as: WEST COAST INS SVCS | 916 MAIN STREET VANCOUVER, WA 98660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 13.86% |
| MJ INSURANCE3 Filed as: ZARA ANN PINES AND VARIOUS AGENTS | 120 EDGEVIEW DRIVE BROOMFIELD, CO 80021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $287 | $1K | 3.47% |
| PREMIER WORKSITE SOLUTIONS INC3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $720 | $365 | $1K | 2.57% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH STREET RIDGEFILED, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $698 | $251 | $949 | 2.25% |
| STRATEGY INSURANCE LLC3 | PO BOX 217 TROUTDALE, OR 97060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $720 | $0 | $720 | 1.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OREGON INC | 222 SW COLUMBIA STREET PORTLAND, OR 97201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $702 | $0 | $702 | 1.66% |
| ROXANNA BUSCHMAN3 | 400 NORTHEAST 149TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $458 | $8 | $466 | 1.10% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 343 | $118K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 343 | $118K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 343 | $118K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 47 | $42K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 47 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.