| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $25K | $6K | $31K | 16.95% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | VISION SERVICE PLAN | $2K | — | $2K | 2.92% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $146 | $2K | 4.97% |
| LAURABETH CHRISTENSEN3 | 19807 2ND DRIVE SE BOTHELL, WA 98012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $973 | $238 | $1K | 2.76% |
| JOEL N NEWMAN AGENCY LLC3 Filed as: JOEL N. NEWMAN AGENCY, LLC | 7808 SE 28TH STREET MERCER ISLAND, WA 98040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $819 | $222 | $1K | 2.37% |
| BRIAN T MURPHY LLC3 Filed as: BRIAN T. MURPHY, LLC | 5002 47TH AVENUE SW SEATTLE, WA 98136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $775 | $74 | $849 | 1.94% |
| CALEB ANTHONY LAW3 | 19807 2ND DRIVE SE BOTHELL, WA 98012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $219 | $93 | $312 | 0.71% |
| KELSY LAINE WATKINS3 | 725 SPRUCE STREET EDMONDS, WA 98020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $219 | $10 | $229 | 0.52% |
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 | 675 | 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) | 675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 82 | $44K |
| Vision | VISION SERVICE PLAN | 550 | $71K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 675 | $181K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 675 | $181K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 675 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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.