| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $13 | $8K | 8.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.69% |
| DIGITAL INSURANCE LLC3 | DBA ONEDIGITAL 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $2K | — | $2K | 8.00% |
| ROBERT WILLIAM PLATTE3 | 15221 227TH AVE NE WOODINVILLE, WA 98077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $337 | — | $337 | 4.54% |
| SANDRA L AYERS3 | PO BOX 291 SAN JUAN BAUTISTA, CA 95045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.70% |
| LISA LOUISE ROBBERSON3 | 13120 102ND LN NE #3 KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.57% |
| KENT ANTHONY SHERMAN3 | 19230 LAKE FRANCES ROAD SE MAPLE VALLEY, WA 98038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.48% |
| TRI-STATE INS. & BNFT SPECS INC3 | 1101 S PIONEER WAY MOSES LAKE, WA 98837 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 1.86% |
| SCHLAGEL INS AGCY INC3 | 817 N 6TH ST SUITE A MOUNT VERNON, WA 98273 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.37% |
| SEGALL MICHAEL3 | 1511 NW 59TH STREET UNIT 4 SEATTLE, WA 98107 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| TRI-STATE INS. & BNFT SPECS INC3 | 1101 S PIONEER WAY MOSES LAKE, WA 98837 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $326 | — | $326 | 13.52% |
| SCHLAGEL INS AGCY INC3 | 817 N 6TH ST SUITE A MOUNT VERNON, WA 98273 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 2.65% |
| SEGALL MICHAEL3 | 1511 NW 59TH STREET UNIT 4 SEATTLE, WA 98107 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.54% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 12 | $15K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $108K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 5 | $7K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 5 | $7K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 12 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.