| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITED HEALTHCARE INSURANCE COMPANY | $60 | — | $60 | 0.00% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $369 | — | $369 | 0.78% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $897 | — | $897 | 2.01% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $54 | — | $54 | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JD FULWILER & CO INSURANCE, INC. EIN 93-0983491 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Consulting (general); Direct payment from the plan Service code 16 | — | $283K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-6060872 NONE | Accounting (including auditing); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Plan Administrator Service code 10 | — | $128K |
| 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 | — | $97K |
| BROWN & BROWN OF WA DBA DIMARTINO EIN 91-0378940 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $44K |
| PAYNEWEST INSURANCE NONE | Insurance brokerage commissions and fees; Direct payment from the plan Service code 50 | 501 N RIVERPOINT BLVD, STE 403 SPOKANE, WA 99202 | $43K |
| CONOVER INSURANCE SERVICES, LLC NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 155 108TH AVE, STE. 725 BELLEVUE, WA 98004 | $31K |
| GROUP BENEFITS LLC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 12939 E PINECROFT WAY, STE 200 SPOKANE VALLEY, WA 99216 | $29K |
| BELL-ANDERSON AGENCY INC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 600 SW 39TH ST SUITE 200 RENTON, WA 98057 | $22K |
| PAUL RICHARDSON INC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2 WEST MAIN WALLA WALLA, WA 99362 | $13K |
| CUMMINGS, FRASER & ASSOCIATES LLC NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 3201 1ST AVENUE SOUTH, SUITE 108 SEATTLE, WA 98134 | $13K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Direct payment from the plan Service code 50 | — | $12K |
| DESERT INSURANCE BENEFITS INC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1006 W IVY AVE MOSES LAKE, WA 98837 | $11K |
| PACIFIC CASCADE ADVISORS NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1710 W MAIN ST 113 BATTLE GROUND, WA 98604 | $11K |
| ALLIANT INSURANCE SERVICES, INC. NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 818 W RIVERSIDE AVE, SUITE 800 SPOKANE, WA 99201 | $10K |
| 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 | $9K |
| BENEFITS DIVISION LLC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 56 C ST NW EPHRATA, WA 988231636 | $9K |
| DIGITAL INSURANCE, LLC. NONE | Insurance agents and brokers Service code 22 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | $8K |
| PROPEL INSURANCE, LLC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 805 SW BROADWAY 2300 PORTLAND, OR 97205 | $7K |
| IMPACT CG LLC NONE | Insurance agents and brokers Service code 22 | 244 WOLF CREEK RD WINTHROP, WA 98862 | $7K |
| IN4ORMED BENEFIT SOLUTIONS LLC NONE | Insurance agents and brokers Service code 22 | 8350 W GRANDRIDGE BLVD STE 200 KENNEWICK, WA 99336 | $6K |
| 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 | $6K |
| NARROWS INSURANCE, LLC DBA CARLSON NONE | Insurance agents and brokers Service code 22 | 2601 JAHN AVE NW STE A1 GIG HARBOUR, WA 98335 | $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 | 1,426 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,551 | $9.4M |
| Dental | DELTA DENTAL OF WASHINGTON | 269 | $181K |
| Vision(2 contracts) | STANDARD INSURANCE COMPANY | 375 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,551 | — |
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.