| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 5713 WOLLOCHET DR NW GIG HARBOR, WA 98335 | REGENCE BLUESHIELD | $30K | $828 | $31K | 3.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 5713 WOLLOCHET DRIVE NW GIG HARBOR, WA 98335 | DELTA DENTAL OF WASHINGTON | $5K | — | $5K | 4.56% |
| ROBERT WILLIAM PLATTE3 | 15221 227TH AVE NE WOODINVILLE, WA 98077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $776 | $422 | $1K | 20.11% |
| KENT ANTHONY SHERMAN3 | 19230 LAKE FRANCES ROAD SE MAPLE VALLEY, WA 98038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $359 | $505 | 8.48% |
| CARMEN WATSON3 | P.O. BOX 65663 UNIVERSITY PLACE, WA 98464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $416 | — | $416 | 6.98% |
| SANDRA L AYERS3 | 19230 LAKE FRANCES ROAD SE MAPLE VALLEY, WA 98038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $190 | $336 | 5.64% |
| LISA LOUISE ROBBERSON3 | 13120 102ND LN NE #3 KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $8 | $131 | 2.20% |
| ZACHARY VINCENT3 | 521 7TH AVE #305 KIRKLAND, WA 98033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 2.00% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 225 | $811K |
| Dental | DELTA DENTAL OF WASHINGTON | 229 | $108K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $6K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $6K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.