| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 1420 5TH AVENUE SEATTLE, WA 98101 | AETNA LIFE INSURANCE COMPANY | $22K | $4K | $26K | 4.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.11% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $867 | $2K | 10.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $824 | $0 | $824 | 3.63% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $370 | $217 | $587 | 5.44% |
| MEGAN ELIZABETH CASTO3 | UNKNOWN COLUMBIA, SC 29202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $156 | $14 | $170 | 1.57% |
| RONALD E KIRKLAND3 Filed as: RONALD JONES | 320 NANCY COURT MOSCOW, ID 83843 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $132 | $0 | $132 | 1.22% |
| DANIEL SHARP3 | 1911 98TH STREET SE EVERETT, WA 98208 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $108 | $2 | $110 | 1.02% |
| ALCYON MOSCHOGIANIS3 Filed as: ALCYON MOSCHOGIANIS AND AGENTS | 2904 139TH PLACE SE MILL CREEK, WA 98012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $85 | $6 | $91 | 0.84% |
| CARYL ESTES3 | 15907 ASH WAY LYNNWOOD, WA 98087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $1 | $65 | 0.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $370 | $0 | $370 | 6.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $197 | $0 | $197 | 3.47% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 143 | $665K |
| Dental | AETNA LIFE INSURANCE COMPANY | 143 | $654K |
| Vision | VISION SERVICE PLAN | 99 | $6K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $23K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 15 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $23K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 143 | $654K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.