| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | — | $46K | 7.19% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFIT SOLUTIONS | 2414 S. KATY CT. SPOKANE, WA 99224 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 5.69% |
| FORTUNE 360 GROUP, LLC3 Filed as: FORTUNE 360 GROUP LLC | 8211 S. BROWARD BLVD. STE. 200 PLANTATION, FL 33324 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 1.34% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFITS SOLUTIONS | 2414 S. KATY CT. SPOKANE, WA 99224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 16.15% |
| JACOB F. RADTKE3 | 2703 E. THURSTON AVE. SPOKANE, WA 99223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $6K | $8K | 12.15% |
| CAROL ESTES AND OTHERS3 | 15907 ASH WAY LYNNWOOD, WA 98087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 7.91% |
| DAVID BARNEY3 | 550 W. TENNESSEE AVE. POST FALLS, ID 83854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $624 | $3K | 4.34% |
| RYAN CHANG3 | 16513 E. NIXON CT. SPOKANE VALLEY, WA 99037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 4.28% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN ELIZABETH CASTRO | HOME OFFICE COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $688 | $3K | 3.88% |
| PHOEBE ZILKO3 | 1220 S. HENRY RD. SPOKANE VALLEY, WA 99016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $494 | $2K | $2K | 3.57% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFIT SOLUTIONS | 2414 S. KATY CT. SPOKANE, WA 99224 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $10K | — | $10K | 19.53% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 244 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.57% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | P.O. BOX 9039 AUSTIN, TX 78766 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFITS SOLUTIONS | 2414 S. KATY CT. SPOKANE, WA 99224 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.19% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | — | $2K | $2K | 8.76% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | P.O. BOX 9039 AUSTIN, TX 78766 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | — | $970 | $970 | 5.15% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFITS SOLUTIONS | 2414 S. KATY CT. SPOKANE, WA 99224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 19.53% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $876 | $876 | 6.69% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | P.O. BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $655 | $655 | 5.00% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFIT SOLUTIONS | 2414 S. KATY CT. SPOKANE, WA 99224 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 19.91% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR. ROSHARON, TX 77583 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 1.62% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | P.O. BOX 9201 AUSTIN, TX 78766 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.14% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.14% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFIT SOLUTIONS | 2414 S. KATY CT. SPOKANE, WA 99224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $596 | — | $596 | 14.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $199 | $199 | 5.01% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFIT SOLUTIONS | 2414 S. KATY CT. SPOKANE, WA 99224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $392 | — | $392 | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $131 | $131 | 5.02% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 235 | $643K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 214 | $0 |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 214 | $0 |
| Life insurance | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 156 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $13K |
| Long-term disability | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 313 | $49K |
| Other(5 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 196 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.