| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | 1501 FOURTH AVENUE, SUITE 2400 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $1K | — | $1K | 0.10% |
| R.L. EVANS COMPANY, INC.3 Filed as: RL EVANS COMPANY INC | 3535 FACTORIA BLVD SE, STE 120 BELLEVUE, WA 980061290 | STANDARD INSURANCE COMPANY | $16K | $10K | $25K | 3.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | 1501 FOURTH AVENUE, SUITE 2400 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $178 | — | $178 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | 1501 FOURTH AVENUE, SUITE 2400 SEATTLE, WA 98101 | VISION SERVICE PLAN | $2K | — | $2K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD EIN 91-0282080 NONE | Float revenue; Accounting (including auditing); Recordkeeping fees; Copying and duplicating; Direct payment from the plan; Other commissions; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 10 | — | $658K |
| BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Other commissions; Participant communication; Copying and duplicating; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Recordkeeping fees; Direct payment from the plan Service code 10 | — | $137K |
| BROWN & BROWN OF WA DBA DIMARTINO EIN 91-1473578 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Finders' fees / placement fees; Insurance brokerage commissions and fees; Direct payment from the plan; Consulting fees; Insurance agents and brokers Service code 15 | — | $106K |
| MCKENZIE ROTHWELL BARLOW & COUGHRAN EIN 91-0889948 NONE | Legal; Direct payment from the plan; Consulting (general) Service code 16 | — | $42K |
| SCHOEDEL & SCHOEDEL CPAS PLLC EIN 91-0614823 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
| HEALTHENTIC, INC. NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Accounting (including auditing); Claims processing; Copying and duplicating; Direct payment from the plan Service code 10 | 9706 4TH AVE NE, SUITE 208 SEATTLE, WA 98115 | $12K |
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 | 998 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 411 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 242 | $1.4M |
| Vision | VISION SERVICE PLAN | 978 | $110K |
| Long-term disability | STANDARD INSURANCE COMPANY | 951 | $783K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 998 | $918K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 998 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.