| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 141 WEST JACKSON BOULEVARD SUITE 1000 CHICAGO, IL 60604 | PREMERA BLUE CROSS | $58K | $0 | $58K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10900 NE 8TH STREET, SUITE 750 BELLEVUE, WA 98004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.84% |
| MJ INSURANCE3 Filed as: HILARY K. CAHILL & VARIOUS AGENTS | 25540 SE 274TH PLACE MAPLE VALLEY, WA 98038 | AFLAC | $1K | $0 | $1K | 4.51% |
| NORTHWEST BENEFIT ADVISORS, INC.3 | 11811 NE 1ST STREET, SUITE 302 BELLEVUE, WA 98005 | AFLAC | $726 | $0 | $726 | 2.46% |
| COTTER CONSULTING & BENEFITS INC3 Filed as: COTTER CONSULTING & BENEFITS, INC. | 13526 160TH AVENUE NE REDMOND, WA 98052 | AFLAC | $596 | $0 | $596 | 2.02% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK INSURANCE, LLC | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | AFLAC | $503 | $0 | $503 | 1.70% |
| BRIAN W. BALMES3 | 757 HIGH VALLEY ROAD SELAH, WA 98942 | AFLAC | $446 | $0 | $446 | 1.51% |
| ELIZABETH D PEARSON3 Filed as: ELIZABETH D. PEARSON | 4609 103RD LANE NE KIRKLAND, WA 98033 | AFLAC | $396 | $0 | $396 | 1.34% |
| NANCY LAPHAM3 Filed as: NANCY L. WALDNER | 3339 166TH PLACE SE BELLEVUE, WA 98008 | AFLAC | $364 | $0 | $364 | 1.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $622 | $0 | $622 | 8.34% |
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 | 121 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 159 | $1.2M |
| Dental | PREMERA BLUE CROSS | 159 | $1.2M |
| Vision | VISION SERVICE PLAN | 111 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $45K |
| Short-term disability | AFLAC | 38 | $30K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $45K |
| Prescription drug | PREMERA BLUE CROSS | 159 | $1.2M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.