| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 500 N BRAND BLVD STE 100 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $50K | — | $50K | 22.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $637 | — | $637 | 3.41% |
| TERRY K ALLEN3 | 209030 E HAPPY TRAILS LN OTIS ORCHARDS, WA 99027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | — | $142 | 0.76% |
| LISA M HALL3 Filed as: LISA MICHELLE HALL | 2542 E SUNDOWN DR COEUR DALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.26% |
| HOLLY A MARITA3 Filed as: HOLLY KRISTINE HALL | 2662 E UPPER HAYDEN LAKE RD HAYDEN, ID 83835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.16% |
| DANIEL J ERTZ3 Filed as: DANIEL JOSEPH ERTZ | 14578 W PRAIRIE AVE POST FALLS, ID 83854 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.14% |
| KAREN PICCININI3 Filed as: KAREN BALL | 11683 N EMERALD DR HAYDEN, ID 83835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.07% |
| AARON CURTIS OLSON3 Filed as: AARON C OLSON | 2210 S MEADOWVIEW RD GREENACRES, WA 99016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| KYONG H. GOINS3 Filed as: KYONG HIU GOINS | 7711 27TH AVE SW SEATTLE, WA 98126 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$30 | — | -$30 | -0.16% |
| JESSICA LYNN RIZZUTO3 | 505 N. ARGONNE RD BUILDING C SPOKANE VALLEY, WA 99212 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$32 | — | -$32 | -0.17% |
| ROBERT J FERRERO3 | 269 LADERA ST PROSSER, WA 99350 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$96 | — | -$96 | -0.51% |
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 | 301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 26 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
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.