| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CALEB ANTHONY LAW3 | 19807 2ND DR SE BOTHELL, WA 98012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 10.60% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $562 | $5K | 9.98% |
| RICH IN BENEFITS INC3 | 12608 NE 114TH PL KIRKLAND, WA 98033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $873 | $3K | 6.50% |
| BRIAN T MURPHY LLC3 | 5002 47TH AVE SW SEATTLE, WA 98136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $250 | $2K | 3.18% |
| JOEL N NEWMAN AGENCY LLC3 | 924-B NW 52ND ST SEATTLE, WA 98107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $216 | $1K | 2.80% |
| LAURABETH CHRISTENSEN3 | 16915 SE 272ND ST COVINGTON, WA 98042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $696 | $184 | $880 | 1.77% |
| NICHOLAS STEVEN WALLACE3 | 3115 ALDERWOOD AVE BELLINGHAM, WA 98225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $351 | $156 | $507 | 1.02% |
| TAYLOR GRAHAM3 | 5803 218TH PL SW MOUNTLAKE TERRACE, WA 98043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $412 | $67 | $479 | 0.96% |
| CHRISTOPHER ROBERT BERRY3 | 27108 162ND ST SE MONROE, WA 98272 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | — | $180 | 0.36% |
| KELSEY LAINE WATKINS3 | 725 SPRUCE STREET EDMONDS, WA 98020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.25% |
| STEPHANIE NOELLE KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $2K | — | $2K | 8.00% |
| DIGITAL INSURANCE LLC3 | 1795 WILLISTON RD STE 35 SOUTH BURLINGTON, VT 05403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $780 | $780 | 5.88% |
| DIGITAL INSURANCE LLC3 | 1795 WILLISTON RD STE 35 SOUTH BURLINGTON, VT 05403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $861 | $861 | 6.76% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $525K |
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 48 | $19K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 157 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $13K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 157 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.