| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 818 W RIVERSIDE #800 SPOKANE, WA 99201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 4.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 1.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 818 W RIVERSIDE #800 SPOKANE, WA 99201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 4.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 1.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REHN & ASSOCIATES, INC. EIN 91-1008626 NONE | Recordkeeping fees; Participant communication; Account maintenance fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Copying and duplicating; Claims processing; Contract Administrator Service code 10 | — | $71K |
| GALLAGHER BENEFIT SERVICES, INC. NONE | Consulting fees; Direct payment from the plan; Consulting (general) Service code 16 | 902 WEST 2ND AVE STE 400 SPOKANE, WA 99201 | $27K |
| KATTEN MUCHIN ROSENMAN, LLP EIN 36-2796532 NONE | Legal; Direct payment from the plan Service code 29 | — | $16K |
| SCHOEDEL & SCHOEDEL CPAS, PLLC EIN 91-0614823 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $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 | 3,510 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,579 | $594K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,479 | $594K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,579 | — |
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.