| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERG BENEFITS, INC.3 Filed as: BERG BENEFITS | 1804 WEST UNION AVENUE, SUITE 201 TACOMA, WA 98405 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $1K | $0 | $1K | 5.03% |
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN, INC. | PO BOX 66029 TACOMA, WA 98464 | VISION SERVICE PLAN | $632 | $0 | $632 | 5.14% |
| LEZLEY K. ANDERSON3 | 5402 NE 124TH STREET VANCOUVER, WA 98686 | AFLAC | $135 | $0 | $135 | 3.23% |
| DVG INSURANCE, INC.3 Filed as: DVG INSURANCE INC. | 6512 18TH AVENUE NW SEATTLE, WA 98117 | AFLAC | $72 | $42 | $114 | 2.72% |
| BENJAMIN G FUHRIMAN3 Filed as: BENJAMIN G. FUHRIMAN | 1441 NORTH 570 EAST SHELLEY, ID 83274 | AFLAC | $90 | $0 | $90 | 2.15% |
| MJ INSURANCE3 Filed as: DAVID J. HANNANT AND VARIOUS AGENTS | 14830 NE 167TH STREET WOODVILLE, WA 98072 | AFLAC | $50 | $17 | $67 | 1.60% |
| RAPPORT BENEFITS GROUP INC.3 | 1423 EAST 29TH STREET, SUITE 205 TACOMA, WA 98404 | AFLAC | $48 | $0 | $48 | 1.15% |
| JACOB J MCINTOSH3 Filed as: JACOB J. MCINTOSH | 665 SOUTH WOODRUFF AVENUE SUITE 250 IDAHO FALLS, OR 83401 | AFLAC | $44 | $0 | $44 | 1.05% |
| DAVID E CIAMPOLI3 Filed as: DAVID E. CIAMPOLI | 1204 BIG OAK DRIVE ALMA, AR 72921 | AFLAC | $44 | $0 | $44 | 1.05% |
| SANDRA L AYERS3 Filed as: SANDRA L. AYERS | PO BOX 291 SAN JUAN BAUSTISTA, CA 95045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 1.41% |
| ALLISON J. CRANDALL3 | 206 MCMAHON LANE SW ORTING, WA 98360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 1.26% |
| DEANA SCHROEDER3 | 23115 120TH AVENUE SE KENT, WA 98031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 1.26% |
| ROBERT WILLIAM PLATTE3 | 15221 227TH AVENUE NE WOODVILLE, WA 98077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.55% |
| KENT ANTHONY SHERMAN3 | 19230 LAKE FRANCES ROAD SE MAPLE VALLEY, WA 98038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.40% |
| ELITE-VB LLC3 | 341 WEST TUDOR ROAD ANCHORAGE, AK 99503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.28% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 45 | $20K |
| Vision | VISION SERVICE PLAN | 113 | $12K |
| Other(2 contracts, 2 carriers) | AFLAC | 7 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.