| 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 | $0 | $21K | 13.82% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY AND ONEILL LIFE INC | 818 W RIVERSIDE AVE STE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.68% |
| CORKERY AND JONES BENEFITS, INC.3 Filed as: CORKERY AND JONES BENEFITS INC | 818 W RIVERSIDE STE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $16K | $0 | $16K | 18.39% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY AND ONEILL LIFE INC | 818 W RIVERSIDE AVE STE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.94% |
| CORKERY AND JONES BENEFITS, INC.3 Filed as: CORKERY AND JONES BENEFITS INC | 818 W RIVERSIDE STE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 18.37% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY AND ONEILL LIFE INC | 818 W RIVERSIDE AVE STE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $725 | $0 | $725 | 1.53% |
| SUSAN MENSCHING3 | 3504 EAST PINEHILL DRIVE COEUR D ALENE, ID 83815 | AFLAC | $3K | $172 | $3K | — |
| KIMBERLY JILL ZBIKOWSKI3 Filed as: KIMBERLY J ZBIKOWSKI | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | AFLAC | $579 | $89 | $668 | — |
| ELIZABETH M MIDDLEWOOD3 Filed as: ELIZABETH H MIDDLEWOOD | 3257 N LADALIA DR COEUR D ALENE, ID 83814 | AFLAC | $622 | $0 | $622 | — |
| RODERICK ALLEN BAIR3 | 505 N ARGONNE RD BUILDING C SPOKANE VALLEY, WA 99212 | AFLAC | $487 | $15 | $502 | — |
| LANE P MORGAN3 | 672 CYNTHIA LN SANTA CLARA, UT 84765 | AFLAC | $377 | $80 | $457 | — |
| JAN MARIE3 Filed as: JAN M POLLARD | PO BOX 3231 COUER D ALENE, ID 83816 | AFLAC | $410 | $0 | $410 | — |
| DANIEL J ERTZ3 | PO BOX 1816 COEUR D ALENE, ID 83818 | AFLAC | $311 | $0 | $311 | — |
| GLEN PERKIN3 Filed as: GLEN R PERKIN | 7430 FOREST VIEW DRIVE HUDSONVILLE, MN 49426 | AFLAC | $257 | $0 | $257 | — |
| DARAN L WYCKOFF3 | 505 N ARGONNE BLDG C SPOKANE VALLEY, WA 99212 | AFLAC | $207 | $23 | $230 | — |
| GERRI L SCHOONDERWOERD3 | 1003 LANNAHAN PLACE CALDWELL, ID 83605 | AFLAC | $218 | $0 | $218 | — |
| JIMMIE J DELBRIDGE3 | 1924 E FOXBOROUGH CT HAYDEN, ID 83835 | AFLAC | $186 | $0 | $186 | — |
| BRUCE A VAN RYN3 | 3053 RIVERVALE DR SW GRANDVILLE, MI 49418 | AFLAC | $134 | $18 | $152 | — |
| WILLIAM C PUTNAM3 | 421 N ALASKA AVE CALDWELL, ID 83605 | AFLAC | $132 | $0 | $132 | — |
| LISA HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $125 | $0 | $125 | — |
| ERIC J CONDRON3 Filed as: ERIC CONDRON | 11358 WILD POND DR SE ROCKFORD, MI 49341 | AFLAC | $98 | $18 | $116 | — |
| EVA KNIGHTON3 | 247 VISTA DRIVE BLANCHARD, ID 83804 | AFLAC | $106 | $0 | $106 | — |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $103 | $0 | $103 | — |
| CHARLES V GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $96 | $0 | $96 | — |
| BRADLEY L EHRLICH3 | 1052 WEST OAKWOOD DRIVE HAYDEN, ID 83835 | AFLAC | $66 | $0 | $66 | — |
| JUDSON T LAW3 Filed as: JUDSON LAW | 7654 WILLOW WALK LN EAGLE MOUNTAIN, UT 84005 | AFLAC | $41 | $18 | $59 | — |
| KATHLEEN BRADLEY3 | 476653 HIGHWAY 95 STE 3 PONDERAY, ID 83852 | AFLAC | $55 | $0 | $55 | — |
| TINA JEFFREY3 | PO BOX 879 HAYDEN, ID 83835 | AFLAC | $51 | $0 | $51 | — |
| GAIL A MITCHELL3 Filed as: GAIL MITCHELL | 598 VISTA PARK DRIVE EAGLE POINT, OR 97524 | AFLAC | $44 | $0 | $44 | — |
| PETER JAMES SARANTIS3 | 2251 DOUGLAS BLVD SUITE 110 ROSEVILLE, CA 95661 | AFLAC | $39 | $0 | $39 | — |
| RANDALL L KIMBLER3 | PO BOX 302 HESTERIA, MI 49421 | AFLAC | $39 | $0 | $39 | — |
| MARK LUDWIG3 | 376 E DESERT GARDENS LN IVINS, UT 84738 | AFLAC | $34 | $0 | $34 | — |
| JOSEPH I ROSS3 | PO BOX 3214 COEUR D ALENE, ID 83816 | AFLAC | $32 | $0 | $32 | — |
| WESTERN WAVE LLC3 | 2039 RAMBLING OAK DR MUSKEGON, MI 49445 | AFLAC | $28 | $0 | $28 | — |
| ADAM ANTHEN AYLWORTH3 | 724 COUNTRY LANE SANTA CLARA, UT 84765 | AFLAC | $26 | $0 | $26 | — |
| GREGORY F STENZEL3 | 2302 KNOX WAY MELISSA, TX 75454 | AFLAC | $24 | $0 | $24 | — |
| STANLEY H POOLE3 | 1810 CENTENNIAL DRIVE ST GEORGE, UT 84770 | AFLAC | $14 | $9 | $23 | — |
| ROBERT SCHOONDERWOERD3 | 1003 LANNAHAN PLACE CALDWELL, ID 83605 | AFLAC | $21 | $0 | $21 | — |
| DAVID LAMOREAUX3 | 2191 S 1300 W ST GEORGE, UT 84770 | AFLAC | $12 | $8 | $20 | — |
| DIXIE D SIMON3 | 509 N SHAMROCK ROAD SPOKANE VALLEY, WA 99037 | AFLAC | $20 | $0 | $20 | — |
| MIKE S GAYNOR3 Filed as: MIKE GAYNOR | 950 W NORTON AVE STE 201 APT 2A MUSKEGON, MI 49441 | AFLAC | $19 | $0 | $19 | — |
| RICHARD A KRUITHOFF3 | 3294 DOGWOOD ZEELAND, MI 49464 | AFLAC | $17 | $0 | $17 | — |
| KERRY A MCAULIFFE3 Filed as: KERRY MCAULIFFE | PO BOX 3509 COEUR D ALENE, ID 83816 | AFLAC | $17 | $0 | $17 | — |
| TAYLOR INSURANCE, INC.3 Filed as: TAYLOR INSURANCE INC | 1009 W SUPERIOR ST SANDPOINT, ID 83864 | AFLAC | $16 | $0 | $16 | — |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR SUITE 150 OKEMOS, ME 48864 | AFLAC | $15 | $0 | $15 | — |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, ME 48864 | AFLAC | $15 | $0 | $15 | — |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS LLC | 5567 MADISON AVE HUDSONVILLE, MI 49426 | AFLAC | $15 | $0 | $15 | — |
| EOWALTER3 LLC3 | PO BOX 150199 GRAND RAPIDS, MI 49515 | AFLAC | $14 | $0 | $14 | — |
| GARY ORCUTT3 | 18194 SWISS DRIVE SPRING LAKE, MI 49456 | AFLAC | $13 | $0 | $13 | — |
| LYNNE L CARROLL3 | PO BOX 316 CLARK FORK, ID 83811 | AFLAC | $13 | $0 | $13 | — |
| JULIE A SHEPARD3 | 3913 N POST SPOKANE, WA 99205 | AFLAC | $12 | $0 | $12 | — |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES LLC | 950 W NORTON AVE STE 201 NORTON SHORES, MI 49441 | AFLAC | $12 | $0 | $12 | — |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $10 | $1 | $11 | — |
| DAVID V PAYNE3 | 225 EAGLE CT MONROE, ME 48162 | AFLAC | $11 | $0 | $11 | — |
| JASON SCZEPANIAK3 | 1181 HERITAGE CT SUITE 106 SUN PRAIRIE, WI 53590 | AFLAC | $10 | $0 | $10 | — |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $10 | $0 | $10 | — |
| JENNIFER M VANPOPERING3 | 1658 140TH AVE DORR, MI 49323 | AFLAC | $9 | $0 | $9 | — |
| DAMON R STREETMAN3 | 2961 WEST MAPLE LOOP DR SUITE 230 LEHI, UT 84043 | AFLAC | $7 | $0 | $7 | — |
| JEFFREY W XAVER3 | 3982 ARLINGTON DR WILLIAMSBURG, MH 49690 | AFLAC | $7 | $0 | $7 | — |
| CLIFF HARRISON BARROWS3 Filed as: CLIFF BARROWS | 5716 S FERRALL ST SPOKANE, WA 99223 | AFLAC | $5 | $0 | $5 | — |
| KRISTEN SUE PLAISANCE3 Filed as: KRISTEN PLAISANCE | 11315 E 12TH AVE SPOKANE VALLEY, WA 99206 | AFLAC | $5 | $0 | $5 | — |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 200 17TH AVE E APT 404 SEATTLE, WA 98112 | AFLAC | $1 | $4 | $5 | — |
| RICHARD H PHILLIPS3 Filed as: RICHARD MULLIGAN | 3680 CAMELOT DR SE APT 2A GRAND RAPIDS, MI 49546 | AFLAC | $3 | $0 | $3 | — |
| BARRY BEVERLY3 Filed as: BARRY BEVERLY AND ASSOCIATES INC | 11521 S BLACK FOREST DR SANDY, UT 84094 | AFLAC | $1 | $2 | $3 | — |
| MATTHEW HOUGH3 | 918 LAKEVIEW DRIVE LAKE ODESSA, MI 48849 | AFLAC | $2 | $0 | $2 | — |
| JOSEPH HELDEROP3 | 234 5TH AVE KIRKLAND, WA 98033 | AFLAC | $0 | $2 | $2 | — |
| JOSEPH P TYRRELL3 Filed as: JOSEPH TYRRELL | 468 E FOREST RIDGE DR MERIDIAN, ID 83642 | AFLAC | $1 | $0 | $1 | — |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE WYCKOFF | PO BOX 952 SPOKANE VALLEY, WA 99037 | AFLAC | $1 | $0 | $1 | — |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 2461 W STATE ROAD 426 STE 2061 OVIEDO, FL 32765 | AFLAC | $1 | $0 | $1 | — |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $0 | $1 | $1 | — |
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 | 877 | 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) | 877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 877 | $153K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 166 | $47K |
| Long-term disability | STANDARD INSURANCE COMPANY | 138 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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.