| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 1430 NORTH 16TH AVENUE BUILDING H YAKIMA, WA 98902 | LIFEWISE ASSURANCE COMPANY | $1K | — | $1K | 1.08% |
| MICHAEL D SCHULTZ3 Filed as: MICHAEL T PETTERSON | PO BOX 3 MOXEE, WA 98936 | AFLAC | $2K | $76 | $2K | 9.49% |
| MICHAEL D SCHULTZ3 Filed as: MICHAEL T PETTERSON | PO BOX 3 MOXEE, WA 98936 | AFLAC | $1K | $62 | $1K | 6.35% |
| GERALD INGRAHAM3 | 6 SOUTH 2ND STREET SUITE 718 YAKIMA, WA 98901 | AFLAC | $628 | $30 | $658 | 3.44% |
| MICHAEL A MAYER3 | PO BOX 5625 PASCO, WA 99302 | AFLAC | $416 | $30 | $446 | 2.33% |
| MELISSA PAUL3 | PO BOX 8010 YAKIMA, WA 98908 | AFLAC | $361 | $14 | $375 | 1.96% |
| MAYRA RIVERA3 | 712 CEMETERY ROAD SUNNYSIDE, WA 98944 | AFLAC | $155 | — | $155 | 0.81% |
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE INC | PO BOX 10088 YAKIMA, WA 98909 | AFLAC | $122 | — | $122 | 0.64% |
| BRIAN W. BALMES3 Filed as: BRIAN W BALMES | 302 SOUTH 1ST STREET YAKIMA, WA 98901 | AFLAC | $120 | — | $120 | 0.63% |
| SEAN F HARRINGTON3 | 11151 MIERAS ROAD YAKIMA, WA 98901 | AFLAC | $81 | — | $81 | 0.42% |
| ENROLLEASE3 Filed as: BRANDON CLARKE | 10615 NORTH WENAS ROAD SELAH, WA 98942 | AFLAC | $39 | — | $39 | 0.20% |
| SANDRA M LOHNES3 | PO BOX 678 EASTON, WA 98925 | AFLAC | $22 | — | $22 | 0.11% |
| DARAN L WYCKOFF3 | 2907 EAST 64TH COURT SPOKANE, WA 99223 | AFLAC | $16 | — | $16 | 0.08% |
| CLIFF HARRISON BARROWS3 | 5716 SOUTH FERRALL STREET SPOKANE, WA 99223 | AFLAC | $14 | — | $14 | 0.07% |
| KRISTEN SUE PLAISANCE3 | 11315 EAST 12TH AVENUE SPOKANE VALLEY, WA 99206 | AFLAC | $11 | — | $11 | 0.06% |
| DIXIE D SIMON3 | 509 NORTH SHAMROCK ROAD SPOKANE VALLEY, WA 99037 | AFLAC | $8 | — | $8 | 0.04% |
| JAIME PEREZ3 | 21 CODY LANE SUNNYSIDE, WA 98944 | AFLAC | $8 | — | $8 | 0.04% |
| KRISTINE G WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $3 | — | $3 | 0.02% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA M HELDEROP | 10509 NORTHEAST 120TH PLACE KIRKLAND, WA 98034 | AFLAC | $1 | — | $1 | 0.01% |
| CRAIG A HANSEN3 | 1206 QUEEN ANNE AVENUE NORTH APARTMENT 302 SEATTLE, WA 98109 | AFLAC | $1 | — | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET #B MISSOULA, MT 59806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $699 | $2K | 23.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET #B MISSOULA, MT 59806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $515 | $325 | $840 | 24.48% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $12K |
| Stop-loss / reinsurancereinsurance | LIFEWISE ASSURANCE COMPANY | 112 | $109K |
| Other(3 contracts, 2 carriers) | AFLAC | 102 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.