| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $18K | $18K | 3.66% |
| SUSAN L MENSCHING3 Filed as: SUSAN L. MENSCHING | 3114 WEST 5TH AVENUE SPOKANE, WA 99224 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 8.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.88% |
| TERRY K ALLEN3 Filed as: TERRY K. ALLEN | 20930 EAST HAPPY TRAILS LANE OTIS ORCHARDS, WA 99027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.06% |
| JORDAN D EMMANS3 Filed as: JORDAN D. EMMANS | 438 WEST 26TH AVENUE SPOKANE, WA 99203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $929 | $0 | $929 | 0.84% |
| LISA M HALL3 Filed as: LISA M. HALL | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $190 | $0 | $190 | 0.17% |
| HOLLY HALL3 Filed as: HOLLY K. HALL | 2662 EAST UPPER HAYDEN LAKE ROAD HAYDEN, ID 83835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | $0 | $149 | 0.13% |
| RODERICK ALLEN BAIR3 Filed as: RODERICK A. BAIR | 3437 WEST MANNING LOOP COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$31 | $0 | -$31 | -0.03% |
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 | 763 | 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) | 763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 726 | $153K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 763 | $493K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 763 | $493K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 763 | $493K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 763 | $604K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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."
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.