| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $574 | — | $574 | 0.83% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $210 | — | $210 | 0.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JD FULWILER & CO INSURANCE, INC. EIN 93-0983491 NONE | Consulting (general); Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 16 | — | $306K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-6060872 NONE | Plan Administrator; Accounting (including auditing); Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $156K |
| HUB INTERNATIONAL NORTHWEST LLC EIN 91-2036015 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $106K |
| DIGITAL INSURANCE, LLC. NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | $85K |
| MADDOCK & ASSOCIATES EIN 91-0828809 NONE | Direct payment from the plan Service code 50 | — | $62K |
| PAYNEWEST INSURANCE NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 501 N RIVERPOINT BLVD, STE 403 SPOKANE, WA 99202 | $53K |
| CONOVER INSURANCE SERVICES, LLC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 155 108TH AVE, STE. 725 BELLEVUE, WA 98004 | $43K |
| CUMMINGS, FRASER & ASSOCIATES LLC NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3201 1ST AVENUE SOUTH, SUITE 108 SEATTLE, WA 98134 | $24K |
| BROWN & BROWN OF WA DBA DIMARTINO EIN 91-0378940 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $22K |
| FORTIPHI, LLC NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 811 CLEVELAND AVE MOUNT VERNON, WA 98273 | $21K |
| GROUP BENEFITS LLC NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 12939 E PINECROFT WAY, STE 200 SPOKANE VALLEY, WA 99216 | $21K |
| 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 | $20K |
| ALDRICH BENEFITS LP NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 5665 SW MEADOWS RD, STE 200 LAKE OSWEGO, OR 97035 | $17K |
| EBENEFITS CONSULTING GROUP LLC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | P.O. BOX 359 BLACK DIAMOND, WA 98010 | $12K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $11K |
| BARLOW COUGHRAN MORALES JOSEPHSON EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $9K |
| TRUTINA FINANCIAL, LLC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 10811 MAIN ST, BELLEVUE, WA 98004 | $9K |
| PLC INSURANCE LLC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 19401 40TH AVE W 440 LYNNWOOD, WA 98036 | $9K |
| PACIFIC CASCADE ADVISORS NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1710 W MAIN ST 113 BATTLE GROUND, WA 98604 | $8K |
| ALASKA EMPLOYEE BENEFITS, INC. EIN 71-0869170 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $8K |
| ACRISURE, LLC DBA RISQ CONSULTING NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 500 WEST 36TH AVENUE, SUITE 310 ANCHORAGE, AK 99503 | $7K |
| PACIFIC NORTHWEST INSURANCE BROKERA NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 10209 D-10, BRIDGEPORT WAY SW LAKEWOOD, WA 98499 | $7K |
| MARSH MCLENNAN AGENCY NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | $6K |
| PROPEL INSURANCE, LLC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 805 SW BROADWAY 2300 PORTLAND, OR 97205 | $5K |
| RADWICK & LIGHTLE NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 10885 NE 4TH ST, SUITE 1400 BELLEVUE, WA 98004 | $5K |
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 | 1,619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 2,920 | $11.5M |
| Dental(2 contracts) | STANDARD INSURANCE COMPANY | 334 | $109K |
| Vision(2 contracts) | STANDARD INSURANCE COMPANY | 334 | $109K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $41K |
| Prescription drug(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 2,920 | $11.5M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,920 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.