| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE SUITE 1500 SEATLLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WSHINGTON OPTIONS, INC. | $35K | $0 | $35K | 4.84% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1620 5TH AVENUE SAN DIEGO, CA 92101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $188 | $6K | 16.69% |
| DANIEL SHARO3 | 14536 FLOISSANT PASS APPLE VALLEY, MN 55124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $4K | $6K | 16.32% |
| RONAL JONES3 | 527 SOUTH BAYSIDE STREET MOSES LAKE, WA 98837 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $668 | $3K | 7.07% |
| JOE FRANZEN3 | 6194 PACIFIC HEIGHTS DRIVE FERNDALE, WA 98248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $926 | $2K | 5.54% |
| MICHAEL LEE MURPHY3 Filed as: MICHAEL L. MURPHY AND OTHER AGENTS | 104 SOUTH FREYA STREET SPOKANE, WA 99202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $998 | $994 | $2K | 5.39% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DRIVE SE OLYMPIA, WA 98501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $536 | $2K | 4.49% |
| LISA LOUISE ROBBERSON3 | 13120 102ND LANE NE SUITE 3 KIRKLAND, WA 98248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $127 | $1K | 3.35% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET SUITE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $375 | $3K | 15.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $637 | $0 | $637 | 8.24% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WSHINGTON OPTIONS, INC. | 176 | $719K |
| Dental | STANDARD INSURANCE COMPANY | 149 | $78K |
| Vision | VISION SERVICE PLAN | 145 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $19K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 56 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $19K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF WSHINGTON OPTIONS, INC. | 176 | $719K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 170 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.