| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $34K | — | $34K | 4.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.98% |
| LARRY E VANDERPOL3 Filed as: LARRY E.VANDERPOL | 924 ROBINS PLACE EVERSON, WA 98247 | AFLAC | $3K | $140 | $3K | 10.66% |
| MJ INSURANCE3 Filed as: MICHAEL L. ALLEY AND VARIOUS AGENTS | 5200 MEADOWS ROAD, SUITE 150 LAKE OSWEGO, OR 97035 | AFLAC | $574 | — | $574 | 2.27% |
| NANCY LAPHAM3 Filed as: NANCY L. WALDNER | 14243 SE ALLEN ROAD BELLEVUE, WA 98006 | AFLAC | $371 | — | $371 | 1.47% |
| LISA R PETERS3 Filed as: LISA R. PETERS | 1932 EAST COLLEGE WAY, SUITE B MOUNT VERNON, WA 98273 | AFLAC | $307 | $28 | $335 | 1.32% |
| BARRY G WIEBE3 Filed as: BARRY G. WIEBE | 647 OLD SAMISH ROAD BELLINGHAM, WA 98229 | AFLAC | $285 | $28 | $313 | 1.24% |
| BRANDON PENKO3 Filed as: BRANDON C. HOOBLER | 14220 INTERURBAN AVENUE SOUTH SUITE 150 SEATTLE, WA 98168 | AFLAC | $204 | — | $204 | 0.81% |
| BARRY G WIEBE3 Filed as: BARRY G. WIEBE | 5479 SUNDOWN VIEW TERRACE BELLINGHAM, WA 98226 | AFLAC | $114 | — | $114 | 0.45% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 17.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $652 | — | $652 | 8.12% |
| JOE FRANZEN3 | 6194 PACIFIC HEIGHTS DRIVE FERNDALE, WA 98248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $252 | $2K | $2K | 27.28% |
| DANIEL SHARP3 | 4653 SUNBURST DRIVE BLAINE, WA 98230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $547 | $1K | $2K | 24.89% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $22 | $2K | 23.81% |
| LISA LOUISE ROBBERSON3 Filed as: LISA L. ROBBERSON AND OTHER AGENTS | 13120 102ND LANE NE, SUITE 3 KIRKLAND, WA 98034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $558 | $197 | $755 | 11.07% |
| RONALD E KIRKLAND3 Filed as: RONALD JONES | 527 SOUTH BAYSIDE STREET MOSES LAKE, WA 98837 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $449 | $209 | $658 | 9.65% |
| MICHAEL LEE MURPHY3 | 1035 SOUTH MCMILLAN COURT GREENACRES, WA 99016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $433 | $507 | 7.43% |
| MEGAN ELIZABETH CASTO3 | 6221 WINNWOOD LOOP SE OLYMPIA, WA 98513 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $270 | $149 | $419 | 6.14% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 191 | $697K |
| Dental | STANDARD INSURANCE COMPANY | 154 | $80K |
| Vision | VISION SERVICE PLAN | 157 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $22K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 22 | $7K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $22K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 191 | $691K |
| Other(2 contracts, 2 carriers) | AFLAC | 180 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.