| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | PREMERA BLUE CROSS | $41K | $11K | $52K | 5.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $8K | $1K | $10K | 17.60% |
| CONNEXION INSURANCE SOLUTIONS3 | PO BOX 34315 SEATTLE, WA 98124 | SYMETRA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $1K | $0 | $1K | 5.00% |
| TERRY K ALLEN3 Filed as: TERRY K. ALLEN | 20930 EAST HAPPY TRAILS LANE OTIS ORCHARDS, WA 99027 | AFLAC | $521 | $0 | $521 | 11.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AFLAC | $268 | $0 | $268 | 5.69% |
| JAMES D. DELBRIDGE3 | 1924 EAST FOXBOROUGH COURT HAYDEN, ID 83835 | AFLAC | $240 | $0 | $240 | 5.10% |
| HOLLY A MARITA3 Filed as: HOLLY KRISTINE HALL | 2662 EAST UPPER HAYDEN LAKE ROAD HAYDEN, ID 83835 | AFLAC | $137 | $0 | $137 | 2.91% |
| LISA M HALL3 Filed as: LISA MICHELLE HALL | 2542 EAST SUNDOWN DRIVE COUER D ALENE, ID 83815 | AFLAC | $65 | $0 | $65 | 1.38% |
| JESSICA LYNN RIZZUTO3 | 505 NORTH ARGONNE ROAD BUILDING C SPOKANE VALLEY, WA 99212 | AFLAC | $21 | $0 | $21 | 0.45% |
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 | 97 | 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) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 91 | $1.0M |
| Dental(2 contracts, 2 carriers) | PREMERA BLUE CROSS | 91 | $1.0M |
| Vision | PREMERA BLUE CROSS | 91 | $1.0M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 83 | $54K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 83 | $54K |
| Prescription drug | PREMERA BLUE CROSS | 91 | $1.0M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 83 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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.