| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORTIPHI LLC3 | PO BOX 1547 MOUNT VERNON, WA 98273 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | $0 | $43K | 3.07% |
| PCF INSURANCE SERVICES OF THE WEST3 | DBA FORTIPHI MOUNT VERNON, WA 98273 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 11.10% |
| WA EMPLOYEE BENEFITS LLC3 | 28313 REDONDO WAY S APT 105 DES MOINES, WA 98198 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | $239 | $593 | 2.64% |
| JUDY INEZ BUCHOLTZ3 | 12517 217TH AVENUE CT E BONNEY LAKE, WA 98391 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $415 | $34 | $449 | 2.00% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE OLYMPIA, WA 98596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $100 | $444 | 1.98% |
| RYAN G YOUNG3 | 801 N NURSERY RD IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $0 | $196 | 0.87% |
| ESSENTIAL OIL JOY3 | 2909 S HARPER VALLEY WAY RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $0 | $176 | 0.78% |
| JODI MOYLAN3 | 19103 MERIDIAN E UNIT 37 PUYALLUP, WA 98375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $34 | $173 | 0.77% |
| RONALD E KIRKLAND3 Filed as: RONALD JONES | 320 NANCY CT, MOSCOW, ID 83843 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.41% |
| G SCOTT COOKE3 Filed as: SCOTT PETERSON | 21926 43RD DR SE, BOTHELL, WA 98021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.27% |
| DANIEL SHARP3 | 11622 50TH DR SE, EVERETT, WA 98208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.21% |
| STEPHANIE SHEPPA3 Filed as: STEPHANIE JO HANSEN | 20144 GINA MARIE LN, BURLINGTON, WA 98233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.20% |
| RICH IN BENEFITS INC3 | 13109 NE 123RD ST, KIRKLAND, WA 98374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.17% |
| JOEL N NEWMAN AGENCY LLC3 | 924-B NW 52ND ST, SEATTLE, WA 98107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.13% |
| BRIAN T MURPHY LLC3 | 5002 47TH AVE SW, SEATTLE, WA 98136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.12% |
| DOUGLAS EDWARD VIESELMEYER3 | 14405 115TH AVENUE CT E, PUYALLUP, WA 98374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.09% |
| ALCYON MOSCHOGIANIS3 | 2904 139TH PL SE, MILL CREEK, WA 98012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.08% |
| PAMELA COPLE SMITH3 | 411 HIGHLAND DR, SEATTLE, WA 98109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.08% |
| CARYL ESTES3 | 15907 ASH WAY UNIT C609, LYNNWOOD, WA 98087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.07% |
| ROXANA BUSCHMAN3 | 400 NE 149TH ST, VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.07% |
| GARY FANCHER INSURANCE PLLC3 | 3518 QUAIL CREST, GRAPEVINE, TX 76051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.06% |
| BROOKS JUCHA & ASSOCIATES3 Filed as: BROOKS AGENCY INC | 14812 COUNTY ROAD 424, LINDALE, TX 75771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| MARK CHARLES MORGAN3 | 1880 S DAIRY ASHFORD RD, STE 53 HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| ZACHAREE KEITH SIAHPUSH3 | 33 SE 71ST AVE., PORTLAND, OR 97215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.03% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST, RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| CHRISTOPHER ROBERT BERRY3 | 9222 168TH ST SE, SNOHOMISH, WA 98296 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| N/A3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 47.79% |
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 | 405 | 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) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $1.4M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $20K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 18 | $22K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 18 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.