| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BOULEVARD, SUITE 100 GRANITE BAY, CA 95746 | PREMERA BLUE CROSS | $46K | $0 | $46K | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 141 WEST JACKSON BOUELVARD SUITE 1000 CHICAGO, IL 60604 | PREMERA BLUE CROSS | $9K | $0 | $9K | 0.92% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BOULEVARD, SUITE 100 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.30% |
| MJ INSURANCE3 Filed as: KIMBERLY MOGER & VARIOUS AGENTS | 25 SAGELAND EAST WENATCHEE, WA 98802 | AFLAC | $1K | $6 | $1K | 4.18% |
| COTTER CONSULTING & BENEFITS INC3 Filed as: COTTER CONSULTING & BENEFITS, INC. | 13526 160TH AVENUE NE REDMOND, WA 98052 | AFLAC | $638 | $0 | $638 | 2.28% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK INSURANCE, LLC | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | AFLAC | $489 | $0 | $489 | 1.75% |
| BRIAN W. BALMES3 | 757 HIGH VALLEY ROAD SELAH, WA 98942 | AFLAC | $411 | $0 | $411 | 1.47% |
| NANCY LAPHAM3 Filed as: NANCY L. WALDNER | 3339 166TH PLACE SE BELLEVUE, WA 98004 | AFLAC | $344 | $0 | $344 | 1.23% |
| NORTHWEST BENEFIT ADVISORS, INC.3 | 11811 NE 1ST STREET, SUITE 302 BELLEVUE, WA 98005 | AFLAC | $274 | $0 | $274 | 0.98% |
| HILARY K CAHILL3 Filed as: HILARY K. CAHILL | 25540 SE 274TH PLACE MAPLE VALLEY, WA 98038 | AFLAC | $239 | $0 | $239 | 0.85% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BOULEVARD, SUITE 100 GRANITE BAY, CA 95746 | VISION SERVICE PLAN | $588 | $0 | $588 | 7.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $133 | $0 | $133 | 1.65% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $40 | $0 | $40 | 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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 161 | $921K |
| Dental | PREMERA BLUE CROSS | 161 | $921K |
| Vision | VISION SERVICE PLAN | 114 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $47K |
| Short-term disability | AFLAC | 41 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $47K |
| Prescription drug | PREMERA BLUE CROSS | 161 | $921K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.