| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORTIPHI LLC3 | P.O. BOX 1547 MOUNT VERNON, WA 98273 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $25K | — | $25K | 2.99% |
| FORTIPHI LLC3 | P.O. BOX 1547 MOUNT VERNON, WA 98273 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $8K | — | $8K | 2.01% |
| FORTIPHI LLC3 | P.O. BOX 1547 MOUNT VERNON, WA 98273 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $6K | — | $6K | 2.62% |
| RYAN G YOUNG | 336 N PALM STREET VAN, TX 75790 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 13.29% |
| FORTIPHI LLC3 | P.O. BOX 1547 MOUNT VERNON, WA 98273 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.16% |
| DEANA SCHROEDER | 23115 120TH AVE SE KENT, WA 98031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $746 | $3K | 6.30% |
| RICH IN BENEFITS INC Filed as: RICH IN BENEFITS INC. | 12608 NE 114TH PL KIRKLAND, WA 98033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $807 | $2K | 6.26% |
| MEGAN ELIZABETH CASTO | 10340 CARNEY DRIVE SE OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $842 | $579 | $1K | 3.58% |
| DOUGLAS-MCCARTY INSURANCE SERVICES Filed as: DOUGLAS EDWARD VIESELMEYER | 14405 115TH AVE CT. E PUYALLUP, WA 98374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $411 | $371 | $782 | 1.97% |
| MEGHAN B THOMPSON | 15703 NE 1ST PL BELLEVILLE, WA 98008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $706 | — | $706 | 1.78% |
| HEATHER THURMAN RICHINS Filed as: HEATHER THURMIN RICHINS | 12608 NE 114TH PL KIRKLAND, WA 98033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $454 | $91 | $545 | 1.37% |
| DANIEL SHARP | 1911 98TH ST SE EVERETT, WA 98208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $346 | $499 | 1.26% |
| GREYHAVENS CONSULTING LLC3 | 1313 E MAPLE STREET BELLINGHAM, WA 98225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | — | $345 | 0.87% |
| MIGUEL ANGEL HERNANDEZ | 4422 BAGLEY AVE. N. SEATTLE, WA 98103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | — | $245 | 0.62% |
| BROOKS AGENCY INC3 | 14812 COUNTY RD 424 LINDALE, TX 75777 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $82 | $163 | 0.41% |
| JOEL N NEWMAN AGENCY LLC3 | 12360 LAKE CITY WAY NE SEATTLE, WA 98125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.20% |
| BRIAN T MURPHY LLC3 | 5002 47TH AVE SW SEATTLE, WA 98136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.20% |
| PAMELA COPLE SMITH3 | 411 HIGHLAND DRIVE SEATTLE, WA 98109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.18% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.10% |
| ROXANA BUSCHMAN3 | 400 NORTHEAST 149TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.08% |
| MARK CHARLES MORGAN3 | 2550 GRAY FALLS DRIVE STE 350 HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.06% |
| JODI MOYLAN3 | 19103 MERIDIAN EAST PUYALLUP, WA 98375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.05% |
| CHRISTINE LYNN MORGESTER3 | 14913 S SUNTERRA LOOP OREGON CITY, OR 97045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| PAUL J LANGAS Filed as: PAUL SWEANY | 718 W FOURTH PLAIN BLVD VANCOUVER, WA 98660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| GABRIEL ANGEL CANALS3 | 1329 NE 236TH AVE WOOD VILLAGE, OR 97060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| CHRISTOPHER ROBERT BERRY3 | 27108 162ND ST SE MONROE, WA 98272 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| TAI D SHIN3 | 619 LEGION WAY SW OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| FORTIPHI LLC3 | P.O. BOX 1547 MOUNT VERNON, WA 98273 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 9.19% |
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 | 573 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 221 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 418 | $63K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 37 | $40K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 418 | $63K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 221 | $1.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 418 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.