| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUTINA FINANCIAL, LLC3 Filed as: TRUTINA FINANCIAL | 10811 MAIN STREET BELLEVUE, WA 98004 | REGENCE BLUESHIELD | $45K | — | $45K | 5.02% |
| TRUTINA FINANCIAL, LLC3 Filed as: TRUTINA FINANCIAL | 10811 MAIN STREET BELLEVUE, WA 98004 | DELTA DENTAL OF WASHINGTON | $5K | — | $5K | 4.59% |
| TRUTINA FINANCIAL, LLC3 Filed as: TRUTINA FINANCIAL | 10811 MAIN STREET BELLEVUE, WA 98004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 14.14% |
| NANCY LAPHAM3 Filed as: NANCY L WALDNER | 14243 SE ALLEN ROAD BELLEVUE, WA 98006 | AFLAC | $4K | $354 | $4K | 21.05% |
| LISA R PETERS3 Filed as: LISA R. PETERS | 1932 EAST COLLEGE WAY, SUITE B MOUNT VERNON, WA 98273 | AFLAC | $368 | $59 | $427 | 2.18% |
| DAVID NEEDHAM3 Filed as: DAVID E. CIAMPOLI AND VARIOUS AGENT | 109 NORTH PLAZA COURT VAN BUREN, AR 72956 | AFLAC | $298 | — | $298 | 1.52% |
| DAVID LEDEZMA3 | 15327 WALLINGFORD AVENUE NORTH SEATTLE, WA 98133 | AFLAC | $158 | — | $158 | 0.81% |
| KIMBERLY FERGUSON3 Filed as: KIMBERLY MOGER | 14716 SE 83RD PLACE NEWCASTLE, WA 98059 | AFLAC | $136 | — | $136 | 0.69% |
| HILARY K CAHILL3 Filed as: HILARY K. CAHIL | 25540 SE 274TH PLACE MAPLE VALLEY, WA 98038 | AFLAC | $119 | — | $119 | 0.61% |
| HEATHER L TOMSON3 Filed as: HEATHER L. TOMSON | 63607 NE 9TH STREET RENTON, WA 98056 | AFLAC | $71 | — | $71 | 0.36% |
| TRUTINA FINANCIAL, LLC3 Filed as: TRUTINA FINANCIAL | 10811 MAIN STREET BELLEVUE, WA 98004 | VISION SERVICE PLAN | $863 | — | $863 | 6.58% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 194 | $895K |
| Dental | DELTA DENTAL OF WASHINGTON | 204 | $111K |
| Vision | VISION SERVICE PLAN | 147 | $13K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $42K |
| Short-term disability | AFLAC | 42 | $20K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $22K |
| Prescription drug | REGENCE BLUESHIELD | 194 | $895K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.