| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | — | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $86K | $8 | $86K | 4.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | — | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $15K | — | $15K | 4.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | — | DELTA DENTAL OF WASHINGTON | $9K | — | $9K | 4.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | — | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | — | $8K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | — | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | — | $8K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | — | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | — | $6K | 4.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON | 2106 PACIFIC AVENUE SUITE 501 TACOMA, WA 98402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $14K | 12.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON | 2106 PACIFIC AVENUE SUITE 501 TACOMA, WA 98402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $14K | 17.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON | 2106 PACIFIC AVENUE SUITE 501 TACOMA, WA 98402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $9K | 18.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC. | — | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA, INC. | — | WILLAMETTE DENTAL OF WASHINGTON, INC. | $2K | — | $2K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.94% |
| BRIAN T MURPHY LLC3 Filed as: BRIAN T MURPHY | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $208 | $1K | 3.72% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN N NEWMAN AGENCY LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $676 | $128 | $804 | 2.21% |
| CARYL ESTES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $471 | $21 | $492 | 1.35% |
| CALEB ANTHONY LAW3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | $96 | $439 | 1.21% |
| LAURA MCCLUNG PLYLER3 Filed as: LAURA CRADDOCK | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $301 | — | $301 | 0.83% |
| COREY HULSEY3 Filed as: COREY ZINCOLA | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | — | $269 | 0.74% |
| KATHLEEN BYRNE3 Filed as: KATHLEEN COLLINS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $2 | $114 | 0.31% |
| SUSAN J LEACH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $4 | $110 | 0.30% |
| LAURABETH CHRISTENSEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $5 | $71 | 0.20% |
| WENDY SUE GERSHOW3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $1 | $69 | 0.19% |
| HR BENEFITS SERVICES, INC.3 Filed as: NW BENEFITS GROUP LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.18% |
| LIFE TIME SOLUTIONS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.13% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA ANN WATSON | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $1 | $28 | 0.08% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $9 | $19 | 0.05% |
| ERIC ALEXANDER NOVOA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $2 | $15 | 0.04% |
| CHRISTOPHER ROBERT BERRY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $7 | $14 | 0.04% |
| BEVERLY M SEMMENS3 Filed as: BEVERLY WARD BERGTHOLD | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| KEVIN FITZGERALD HOWARD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| PROSESSION INC3 Filed as: PROSESSION INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.01% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 Filed as: DOUGLAS EDWARD VIESELMEYER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| CONSUMER DRIVEN BENEFITS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TINA HERNANDEZ3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $999 | $270 | $1K | 12.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | — | DENTAL HEALTH SERVICES | $161 | — | $161 | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON | — | HARTFORD LIFE AND ACCIDENT | $184 | — | $184 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAVIA BENEFIT SOLUTIONS, INC. EIN 91-1467758 FSA ADMINISTRATOR | Claims processing Service code 12 | — | $7K |
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 | 448 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 280 | $2.8M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF WASHINGTON | 413 | $268K |
| Vision(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 827 | $2.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 557 | $111K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 448 | $76K |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 280 | $2.8M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 557 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.