| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.22% |
| ROBERT J FERRERO3 | 269 LADERA ST PROSSER, WA 99350 | CONTINENTAL AMERICAN INSURANCE COMPANY | $790 | — | $790 | 2.16% |
| LISA M HALL3 Filed as: LISA MICHELLE HALL | 2542 E SUNDOWN DR COEUR DALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277 | — | $277 | 0.76% |
| DANIEL J ERTZ3 Filed as: DANIEL JOSEPH ERTZ | 14578 W PRAIRIE AVE POST FALLS, ID 83854 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | — | $162 | 0.44% |
| JESSICA LYNN RIZZUTO3 | 505 N. ARGONNE RD BUILDING C SPOKANE VALLEY, WA 99212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.34% |
| KYONG H. GOINS3 Filed as: KYONG HIU GOINS | 7711 27TH AVE SW SEATTLE, WA 98126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.28% |
| HOLLY A MARITA3 Filed as: HOLLY KRISTINE HALL | 2662 E UPPER HAYDEN LAKE RD HAYDEN, ID 83835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | — | $91 | 0.25% |
| TERRY K ALLEN3 | 209030 E HAPPY TRAILS LN OTIS ORCHARDS, WA 99027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.22% |
| KAREN PICCININI3 Filed as: KAREN BALL | 11683 N EMERALD DR HAYDEN, ID 83835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.10% |
| AARON CURTIS OLSON3 Filed as: AARON C OLSON | 2210 S MEADOWVIEW RD GREENACRES, WA 99016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.08% |
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 | 31 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 31 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 31 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.