| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 4170 DOUGLAS BOULEVARD, SUITE 100 GRANITE BAY, CA 95746 | PREMERA BLUE CROSS | $43K | $0 | $43K | 6.00% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 4170 DOUGLAS BOULEVARD, SUITE 100 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.16% |
| MJ INSURANCE3 Filed as: KIMBERLY MOGER AND VARIOUS AGENTS | 25 SAGELAND EAST WENATCHEE, WA 98802 | AFLAC | $1K | $0 | $1K | 4.24% |
| COTTER CONSULTING & BENEFITS INC3 | 13526 160TH AVENUE NE REDMOND, WA 98052 | AFLAC | $700 | $0 | $700 | 2.20% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK INC | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | AFLAC | $543 | $0 | $543 | 1.70% |
| BRIAN W. BALMES3 Filed as: BRIAN BALMES | 757 HIGH VALLEY ROAD SELAH, WA 98942 | AFLAC | $446 | $0 | $446 | 1.40% |
| NANCY LAPHAM3 Filed as: NANCY WALDNER | 3339 166TH PLACE SE BELLEVUE, WA 98008 | AFLAC | $399 | $0 | $399 | 1.25% |
| NORTHWEST BENEFIT ADVISORS, INC.3 Filed as: NORTHWEST BENEFIT ADVISORS INC | 8151 164TH AVENUE NE, SUITE 411 REDMOND, WA 98052 | AFLAC | $362 | $0 | $362 | 1.14% |
| HILARY RADOLEC3 Filed as: HILARY CAHILL | 25540 SE 274TH PLACE MAPLE VALLEY, WA 98038 | AFLAC | $268 | $0 | $268 | 0.84% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 4170 DOUGLAS BOULEVARD, SUITE 100 GRANITE BAY, CA 95746 | VISION SERVICE PLAN | $608 | $0 | $608 | 8.47% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $36 | $0 | $36 | 0.50% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 151 | $709K |
| Dental | PREMERA BLUE CROSS | 151 | $709K |
| Vision | VISION SERVICE PLAN | 107 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $41K |
| Short-term disability | AFLAC | 42 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $41K |
| Prescription drug | PREMERA BLUE CROSS | 151 | $709K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
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.