| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $794 | — | $794 | 2.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JD FULWILER & CO INSURANCE, INC. EIN 93-0983491 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers; Consulting (general) Service code 16 | — | $286K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-6060872 NONE | Plan Administrator; Other services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $128K |
| HUB INTERNATIONAL NORTHWEST LLC EIN 91-2036015 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $112K |
| MARSH MCLENNAN AGENCY NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | $33K |
| BTG & ASSOC, LLC DBA BTG BENEFITS, NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 345 118TH AVE SE SUITE 210 BELLEVUE, WA 98005 | $32K |
| MADDOCK & ASSOCIATES EIN 91-0828809 NONE | Insurance brokerage commissions and fees; Direct payment from the plan Service code 50 | — | $31K |
| BROWN & BROWN OF WA DBA DIMARTINO EIN 91-0378940 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $27K |
| BELL-ANDERSON AGENCY INC NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 600 SW 39TH ST SUITE 200 RENTON, WA 98057 | $25K |
| CUMMINGS, FRASER & ASSOCIATES LLC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 3201 1ST AVENUE SOUTH, SUITE 108 SEATTLE, WA 98134 | $21K |
| GROUP BENEFITS LLC NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 12939 E PINECROFT WAY, STE 200 SPOKANE VALLEY, WA 99216 | $20K |
| PAUL RICHARDSON INC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 2 WEST MAIN WALLA WALLA, WA 99362 | $17K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
| ALLIANT INSURANCE SERVICES, INC. NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 818 W RIVERSIDE AVE, SUITE 800 SPOKANE, WA 99201 | $14K |
| PACIFIC CASCADE ADVISORS NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 1710 W MAIN ST 113 BATTLE GROUND, WA 98604 | $10K |
| PAYNEWEST INSURANCE NONE | Direct payment from the plan; Insurance brokerage commissions and fees Service code 50 | 501 N RIVERPOINT BLVD, STE 403 SPOKANE, WA 99202 | $8K |
| BLACK PEARL BENEFITS NONE | Direct payment from the plan; Insurance services; Insurance brokerage commissions and fees Service code 23 | 25 W CATALDO AVE D SPOKANE, WA 99201 | $8K |
| IMPACT CG LLC NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 244 WOLF CREEK RD WINTHROP, WA 98862 | $8K |
| LEAVITT GROUP NORTHWEST NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 1010 SE EVERETT MALL WAY SUITE 204 EVERETT, WA 98208 | $8K |
| FORTIPHI INSURANCE NONE | Insurance services; Direct payment from the plan; Insurance brokerage commissions and fees Service code 23 | 815 CLEVELAND AVE SUITE 200 MOUNT VERNON, WA 98273 | $7K |
| PROPEL INSURANCE, LLC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 805 SW BROADWAY 2300 PORTLAND, OR 97205 | $7K |
| BENEFITS DIVISION LLC NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 56 C ST NW EPHRATA, WA 988231636 | $6K |
| DIGITAL INSURANCE, LLC. NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | $6K |
| NARROWS INSURANCE, LLC DBA CARLSON NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 2601 JAHN AVE NW STE A1 GIG HARBOUR, WA 98335 | $6K |
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 | 2,061 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,081 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,716 | $9.0M |
| Dental | DELTA DENTAL OF WASHINGTON | 273 | $231K |
| Vision(2 contracts) | STANDARD INSURANCE COMPANY | 422 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,716 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.