| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.08% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $309 | — | $309 | 0.62% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $501 | — | $501 | 1.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JD FULWILER & CO INSURANCE, INC. EIN 93-0983491 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers; Consulting (general) Service code 16 | — | $277K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-6060872 NONE | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Direct payment from the plan; Other services Service code 10 | — | $157K |
| HUB INTERNATIONAL NORTHWEST LLC EIN 91-2036015 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $101K |
| 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 | $46K |
| BROWN & BROWN OF WA DBA DIMARTINO EIN 91-0378940 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $45K |
| 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 | $44K |
| DIGITAL INSURANCE, LLC. NONE | Insurance agents and brokers Service code 22 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | $33K |
| GROUP BENEFITS LLC NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 12939 E PINECROFT WAY, STE 200 SPOKANE VALLEY, WA 99216 | $23K |
| ALLIANT INSURANCE SERVICES, INC. NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 818 W RIVERSIDE AVE, SUITE 800 SPOKANE, WA 99201 | $19K |
| 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 | $16K |
| BELL-ANDERSON AGENCY INC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 600 SW 39TH ST SUITE 200 RENTON, WA 98057 | $15K |
| PAUL RICHARDSON INC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2 WEST MAIN WALLA WALLA, WA 99362 | $13K |
| LEAVITT GROUP NORTHWEST NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1010 SE EVERETT MALL WAY SUITE 204 EVERETT, WA 98208 | $12K |
| 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 | $11K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Direct payment from the plan Service code 50 | — | $11K |
| 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 | $10K |
| BENEFITS DIVISION LLC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 56 C ST NW EPHRATA, WA 988231636 | $9K |
| TRUTINA FINANCIAL, LLC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 10811 MAIN ST, BELLEVUE, WA 98004 | $9K |
| DESERT INSURANCE BENEFITS INC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1006 W IVY AVE MOSES LAKE, WA 98837 | $8K |
| PROPEL INSURANCE, LLC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 805 SW BROADWAY 2300 PORTLAND, OR 97205 | $6K |
| 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 |
| PACIFIC NORTHWEST INSURANCE BROKERA NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 10209 D-10, BRIDGEPORT WAY SW LAKEWOOD, WA 98499 | $5K |
| RICE INSURANCE LLC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1400 BROADWAY BELLINGHAM, WA 98225 | $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 | 1,537 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 2,812 | $10.6M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 408 | $214K |
| Vision(2 contracts) | STANDARD INSURANCE COMPANY | 408 | $82K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,647 | $58K |
| Prescription drug(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 2,812 | $10.6M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,647 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,812 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.