| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 6.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.78% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 2.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $788 | $788 | 1.31% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $781 | $0 | $781 | 1.30% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | -$113 | -$113 | -0.19% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 11.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 10.23% |
| ESSENTIAL OIL JOY3 | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $832 | $0 | $832 | 3.40% |
| ROXANA BUSCHMAN3 Filed as: ROXANA BUSCHMAN & OTHER AGENTS | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $700 | $0 | $700 | 2.86% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP, INC. | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $618 | $0 | $618 | 2.52% |
| RAQUEL LOSADA MONROY3 | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $607 | $0 | $607 | 2.48% |
| AMY E COHEN3 Filed as: AMY E. COHEN | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $323 | $0 | $323 | 1.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.77% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $85 | $0 | $85 | 0.47% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 16.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 10.94% |
| ESSENTIAL OIL JOY3 | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $408 | $0 | $408 | 3.45% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP, INC. | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $370 | $0 | $370 | 3.13% |
| ROXANA BUSCHMAN3 | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $188 | $0 | $188 | 1.59% |
| RAQUEL LOSADA MONROY3 | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $187 | $0 | $187 | 1.58% |
| AMY E COHEN3 Filed as: AMY E. COHEN & OTHER AGENTS | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 0.54% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $629 | $0 | $629 | 5.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $508 | $0 | $508 | 4.71% |
| ROXANA BUSCHMAN3 | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $280 | $0 | $280 | 2.59% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP, INC. | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $235 | $0 | $235 | 2.18% |
| AMY E COHEN3 Filed as: AMY E. COHEN | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $209 | $0 | $209 | 1.94% |
| MELLONEASE KIRKSEY3 | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $0 | $81 | 0.75% |
| PEACOCK FINANCIALS, INC. & OTHERS3 | UNKNOWN VANCOUVER, WA 98660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.26% |
No Schedule C service providers reported on this filing.
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 | 740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 115 | $77K |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 115 | $95K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 740 | $107K |
| Short-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 740 | $107K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 740 | $60K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 740 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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.