| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | UNKNOWN WAPATO, WA 98951 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $3K | $0 | $3K | 3.84% |
| BERG BENEFITS, INC.3 | PO BOX 66029 TACOMA, WA 98464 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $907 | $0 | $907 | 1.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, SUITE 3100 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $6K | $3K | $10K | 16.38% |
| BERG BENEFITS, INC.3 | PO BOX 66029 TACOMA, WA 98464 | SYMETRA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.19% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 7.93% |
| BERG BENEFITS, INC.3 | PO BOX 66029 TACOMA, WA 98464 | AMERITAS LIFE INSURANCE CORP. | $636 | $0 | $636 | 2.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, 3RD FLOOR PO BOX 28932 FRESNO, CA 93729 | AMERITAS LIFE INSURANCE CORP. | $0 | $524 | $524 | 1.71% |
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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 135 | $78K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 539 | $31K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 323 | $59K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 323 | $59K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 323 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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.