| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADEPT BENEFITS LLC3 Filed as: ADEPT BENEFITS, LLC | 6611 413TH AVENUE SE SNOQUALMIE, WA 98065 | AETNA LIFE INSURANCE COMPANY | $30K | $0 | $30K | 3.44% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BOULEVARD, SUITE 100 GRANITE BAY, CA 95746 | AETNA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 1.58% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BOULEVARD, SUITE 400 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.62% |
| ADEPT BENEFITS LLC3 Filed as: ADEPT BENEFITS, LLC | 6611 413TH AVENUE SE SNOQUALMIE, WA 98065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.99% |
| HILARY K CAHILL3 Filed as: HILARY K. CAHILL AND OTHER AGENTS | 25540 SE 274TH PLACE MAPLE VALLEY, WA 98038 | AFLAC | $2K | $0 | $2K | 4.15% |
| COTTER CONSULTING & BENEFITS INC3 Filed as: COTTER CONSULTING & BENEFITS, INC. | 13526 160TH AVENUE NE REDMOND, WA 98052 | AFLAC | $801 | $0 | $801 | 2.11% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | AFLAC | $586 | $0 | $586 | 1.55% |
| BRIAN W. BALMES3 | 757 HIGH VALLEY ROAD SELAH, WA 98942 | AFLAC | $509 | $0 | $509 | 1.34% |
| NANCY LAPHAM3 Filed as: NANCY L. WALDNER | 3339 166TH PLACE SE BELLEVUE, WA 98008 | AFLAC | $439 | $0 | $439 | 1.16% |
| NORTHWEST BENEFIT ADVISORS, INC.3 | 8151 164TH AVENUE NE SUITE 411 REDMOND, WA 98052 | AFLAC | $304 | $0 | $304 | 0.80% |
| KIMBERLY FERGUSON3 Filed as: KIMBERLY MOGER | 25 SAGELAND ROAD EAST WENATCHEE, WA 98802 | AFLAC | $298 | $0 | $298 | 0.79% |
| MEGAN REBECCA NARRANCE3 | 6611 413TH AVENUE SE SNOQUALMIE, WA 98065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $530 | $0 | $530 | 5.12% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BOULEVARD, SUITE 100 GRANITE BAY, CA 95746 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $404 | $0 | $404 | 3.91% |
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 | 107 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 141 | $877K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $52K |
| Short-term disability | AFLAC | 43 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $52K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.