| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFITS SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | REGENCE BLUESHIELD | $5.6M | $744K | $6.4M | 5.74% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFITS SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $1.7M | $0 | $1.7M | 7.42% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFITS SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | DELTA DENTAL OF WASHINGTON | $840K | $0 | $840K | 7.00% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFIT SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | ASURIS NORTHWEST HEALTH | $109K | $23K | $132K | 6.11% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFITS SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | LIFEMAP ASSURANCE COMPANY | $111K | $0 | $111K | 13.04% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFITS SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | LIFEMAP ASSURANCE COMPANY | $43K | $0 | $43K | 8.00% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFITS SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | MAGELLAN HEALTHCARE | $12K | $0 | $12K | 9.78% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFITS SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $5K | $0 | $5K | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EPK AND ASSOCIATES, INC. EIN 91-1947441 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $3.4M |
| KEY TRUST COMPANY EIN 34-0797057 TRUSTEE CUSTODIAN | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $38K |
| PRINTWEST PRINTING SERVICES | Copying and duplicating; Direct payment from the plan Service code 36 | 6101 238TH STREET SE WOODINVILLE, WA 98072 | $30K |
| SWEENEY CONRAD, P.S. EIN 91-1301672 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| SHORETT COMMUNICATIONS, LLC EIN 91-2196270 MARKETER | Direct payment from the plan; Other services Service code 49 | — | $23K |
| FEDERAL INSURANCE COMPANY EIN 13-1963496 INSURER | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $17K |
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 | 31,900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 294 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 32,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | REGENCE BLUESHIELD | 28,099 | $136.4M |
| Dental(3 contracts, 3 carriers) | REGENCE BLUESHIELD | 28,271 | $125.3M |
| Vision(3 contracts, 3 carriers) | REGENCE BLUESHIELD | 28,099 | $113.8M |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 23,323 | $849K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 23,323 | $849K |
| Prescription drug(5 contracts, 5 carriers) | REGENCE BLUESHIELD | 28,099 | $136.4M |
| Other | REGENCE BLUESHIELD | 28,099 | $111.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,271 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.