| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORKERY AND JONES BENEFITS, INC.3 Filed as: CORKERY AND JONES BENEFITS INC | 818 W RIVERSIDE STE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY AND ONEILL LIFE INC | 818 W RIVERSIDE AVE STE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.22% |
| CORKERY AND JONES BENEFITS, INC.3 Filed as: CORKERY AND JONES BENEFITS INC | 818 W RIVERSIDE STE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $19K | $0 | $19K | 20.00% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY AND ONEILL LIFE INC | 818 W RIVERSIDE AVE STE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.22% |
| SUSAN MENSCHING3 | 3504 EAST PINEHILL DRIVE COEUR D ALENE, ID 83815 | AFLAC | $5K | $345 | $5K | 6.49% |
| LANE P MORGAN3 | 672 CYNTHIA LN SANTA CLARA, UT 84765 | AFLAC | $2K | $123 | $2K | 2.24% |
| KIMBERLY JILL ZBIKOWSKI3 Filed as: KIMBERLY J ZBIKOWSKI | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | AFLAC | $1K | $57 | $1K | 1.83% |
| ELIZABETH M MIDDLEWOOD3 Filed as: ELIZABETH H MIDDLEWOOD | 3257 N LADALIA DR COEUR D ALENE, ID 83814 | AFLAC | $796 | $0 | $796 | 1.00% |
| RODERICK ALLEN BAIR3 | 505 N ARGONNE RD BUILDING C SPOKANE VALLEY, WA 99212 | AFLAC | $597 | $45 | $642 | 0.80% |
| JAN MARIE3 Filed as: JAN M POLLARD | PO BOX 3231 COUER D ALENE, ID 83816 | AFLAC | $546 | $0 | $546 | 0.68% |
| DANIEL J ERTZ3 | 1111 E COEUR D ALENE AVE COEUR D ALENE, ID 83814 | AFLAC | $464 | $41 | $505 | 0.63% |
| DARAN L WYCKOFF3 | 505 N ARGONNE BLDG C SPOKANE VALLEY, WA 99212 | AFLAC | $352 | $62 | $414 | 0.52% |
| GLEN PERKIN3 Filed as: GLEN R PERKIN | 7430 FOREST VIEW DRIVE HUDSONVILLE, MN 49426 | AFLAC | $353 | $0 | $353 | 0.44% |
| GERRI L SCHOONDERWOERD3 | 1003 LANNAHAN PLACE CALDWELL, ID 83605 | AFLAC | $322 | $0 | $322 | 0.40% |
| STANLEY H POOLE3 | 1810 CENTENNIAL DRIVE ST GEORGE, UT 84770 | AFLAC | $300 | $0 | $300 | 0.38% |
| BRUCE A VAN RYN3 | 3053 RIVERVALE DR SW GRANDVILLE, MI 49418 | AFLAC | $266 | $11 | $277 | 0.35% |
| DAVID LAMOREAUX3 | 2191 S 1300 W ST GEORGE, UT 84770 | AFLAC | $273 | $0 | $273 | 0.34% |
| JIMMIE J DELBRIDGE3 | 1924 E FOXBOROUGH CT HAYDEN, ID 83835 | AFLAC | $259 | $0 | $259 | 0.32% |
| ERIC J CONDRON3 Filed as: ERIC CONDRON | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | AFLAC | $214 | $11 | $225 | 0.28% |
| JUDSON T LAW3 Filed as: JUDSON LAW | 7654 WILLOW WALK LN EAGLE MOUNTAIN, UT 84005 | AFLAC | $219 | $0 | $219 | 0.27% |
| WILLIAM C PUTNAM3 | 421 N ALASKA AVE CALDWELL, ID 83605 | AFLAC | $173 | $0 | $173 | 0.22% |
| LISA HALL3 | 8601 TURNPIKE DR STE 206 WESTMINSTER, CA 80031 | AFLAC | $157 | $0 | $157 | 0.20% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $134 | $0 | $134 | 0.17% |
| CHARLES V GLAUB3 | 5458 PARKSIDE DR BRIGHTON, MI 48114 | AFLAC | $132 | $0 | $132 | 0.17% |
| EVA KNIGHTON3 | 247 VISTA DRIVE BLANCHARD, ID 83804 | AFLAC | $130 | $0 | $130 | 0.16% |
| MARK LUDWIG3 | 376 E DESERT GARDENS LN IVINS, UT 84738 | AFLAC | $68 | $25 | $93 | 0.12% |
| BRADLEY L EHRLICH3 | 1052 WEST OAKWOOD DRIVE HAYDEN, ID 83835 | AFLAC | $88 | $0 | $88 | 0.11% |
| AMBER HASZ3 | 1803 N 8TH ST. COEUR D ALENE, ID 83814 | AFLAC | $64 | $2 | $66 | 0.08% |
| TINA JEFFREY3 | PO BOX 879 HAYDEN, ID 83835 | AFLAC | $60 | $0 | $60 | 0.08% |
| PETER JAMES SARANTIS3 | 2251 DOUGLAS BLVD SUITE 110 ROSEVILLE, CA 49456 | AFLAC | $51 | $0 | $51 | 0.06% |
| RANDALL L KIMBLER3 | PO BOX 302 HESTERIA, MI 49421 | AFLAC | $50 | $0 | $50 | 0.06% |
| DAMON R STREETMAN3 | 2961 WEST MAPLE LOOP DR SUITE 230 LEHI, UT 84043 | AFLAC | $22 | $25 | $47 | 0.06% |
| JOSEPH I ROSS3 | PO BOX 3214 COEUR D ALENE, ID 83816 | AFLAC | $38 | $0 | $38 | 0.05% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR SUITE 150 OKEMOS, ME 48864 | AFLAC | $27 | $10 | $37 | 0.05% |
| WESTERN WAVE LLC3 | 2039 RAMBLING OAK DR MUSKEGON, MI 49445 | AFLAC | $36 | $0 | $36 | 0.05% |
| ADAM ANTHEN AYLWORTH3 | 724 COUNTRY LANE SANTA CLARA, UT 84765 | AFLAC | $32 | $0 | $32 | 0.04% |
| GREGORY F STENZEL3 | 6800 STONY HILL RD MCKINNEY, TX 75070 | AFLAC | $29 | $0 | $29 | 0.04% |
| DIXIE D SIMON3 | 509 N SHAMROCK ROAD SPOKANE VALLEY, WA 99037 | AFLAC | $28 | $0 | $28 | 0.04% |
| ROBERT SCHOONDERWOERD3 | 1003 LANNAHAN PLACE CALDWELL, ID 83605 | AFLAC | $24 | $0 | $24 | 0.03% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, ME 48864 | AFLAC | $21 | $0 | $21 | 0.03% |
| MATTHEW HOUGH3 | 918 LAKEVIEW DRIVE LAKE ODESSA, MI 48849 | AFLAC | $21 | $0 | $21 | 0.03% |
| RICHARD A KRUITHOFF3 | 3294 DOGWOOD ZEELAND, MI 49464 | AFLAC | $20 | $0 | $20 | 0.03% |
| KERRY A MCAULIFFE3 Filed as: KERRY MCAULIFFE | PO BOX 3509 COEUR D ALENE, ID 83816 | AFLAC | $20 | $0 | $20 | 0.03% |
| JASON SCZEPANIAK3 | 4001 FELLAND ROAD SUITE 106 MADISON, WI 53718 | AFLAC | $18 | $0 | $18 | 0.02% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS LLC | 5567 MADISON AVE HUDSONVILLE, MI 49426 | AFLAC | $18 | $0 | $18 | 0.02% |
| TAYLOR INSURANCE, INC.3 Filed as: TAYLOR INSURANCE INC | 1009 W SUPERIOR ST SANDPOINT, ID 83864 | AFLAC | $18 | $0 | $18 | 0.02% |
| ERIC J CONDRON3 Filed as: ERIC CONDRON | 11358 WILD POND DR SE ROCKFORD, MI 49341 | AFLAC | $17 | $0 | $17 | 0.02% |
| EOWALTER3 LLC3 | PO BOX 150199 GRAND RAPIDS, MI 49515 | AFLAC | $17 | $0 | $17 | 0.02% |
| GARY ORCUTT3 | 18194 SWISS DRIVE SPRING LAKE, MI 49456 | AFLAC | $16 | $0 | $16 | 0.02% |
| LYNNE L CARROLL3 | PO BOX 316 CLARK FORK, ID 83811 | AFLAC | $15 | $0 | $15 | 0.02% |
| JEFFREY W XAVER3 | 3982 ARLINGTON DR WILLIAMSBURG, MH 49690 | AFLAC | $15 | $0 | $15 | 0.02% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $15 | $0 | $15 | 0.02% |
| DAVID V PAYNE3 | 225 EAGLE CT MONROE, ME 48162 | AFLAC | $14 | $0 | $14 | 0.02% |
| JULIE A SHEPARD3 | 3913 N POST SPOKANE, WA 99205 | AFLAC | $14 | $0 | $14 | 0.02% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $12 | $0 | $12 | 0.02% |
| JENNIFER M VANPOPERING3 | 1658 140TH AVE DORR, MI 49323 | AFLAC | $11 | $0 | $11 | 0.01% |
| RICHARD L MULLIGAN3 | 3680 CAMELOT DR SE APT 2A GRAND RAPIDS, MI 49546 | AFLAC | $5 | $0 | $5 | 0.01% |
| JEFFREY D DEKAM3 | 3185 MACATAWA DR SW STE D GRANDVILLE, MI 49418 | AFLAC | $4 | $0 | $4 | 0.01% |
| CORKERY AND JONES BENEFITS, INC.3 Filed as: CORKERY AND JONES BENEFITS INC | 818 W RIVERSIDE STE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 20.00% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY AND ONEILL LIFE INC | 818 W RIVERSIDE AVE STE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $491 | $0 | $491 | 1.23% |
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 | 624 | 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) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 624 | $140K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 128 | $120K |
| Long-term disability | STANDARD INSURANCE COMPANY | 144 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 624 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.