| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN, INC. | 1804 WEST UNION AVENUE TACOMA, WA 98406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 10.00% |
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN, INC. | 1804 WEST UNION AVENUE TACOMA, WA 98406 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $4K | $0 | $4K | 12.00% |
| BERG BENEFITS, INC.3 | PO BOX 66029 TACOMA, WA 98464 | VISION SERVICE PLAN | $1K | $0 | $1K | 8.58% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $79 | $0 | $79 | 0.54% |
| SANDRA L AYERS3 Filed as: SANDRA L. AYERS | PO BOX 291 SAN JUAN BAUTISTA, CA 95045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 1.36% |
| DEANNA SCHROEDER3 | 23115 120TH AVENUE SE KENT, WA 98031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 1.22% |
| ROBERT WILLIAM PLATTE3 | 15221 227TH AVENUE NE WOODINVILLE, WA 98077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.52% |
| KENT ANTHONY SHERMAN3 | 19230 LAKE FRANCES ROAD SE MAPLE VALLEY, WA 98038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.40% |
| ELITE-VB LLC3 Filed as: ELITE-VB, LLC | 111 HEKILI STREET KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.27% |
| LEZLEY K. ANDERSON3 | 5402 NE 124TH STREET VANCOUVER, WA 98686 | AFLAC | $108 | $0 | $108 | 2.79% |
| BENJAMIN G FUHRIMAN3 Filed as: BENJAMIN G. FUHRIMAN | 1441 NORTH 570 EAST SHELLEY, ID 83274 | AFLAC | $84 | $0 | $84 | 2.17% |
| DVG INSURANCE, INC.3 | 6512 18TH AVENUE NW SEATTLE, WA 98117 | AFLAC | $79 | $0 | $79 | 2.04% |
| RAPPORT BENEFITS GROUP INC.3 Filed as: RAPPORT BENEFITS GROUP, INC. | 1423 EAST 29TH STREET 205 TACOMA, WA 98404 | AFLAC | $53 | $0 | $53 | 1.37% |
| JACOB J MCINTOSH3 Filed as: JACOB J. MCINTOSH | 665 SOUTH WOODRUFF AVENUE SUITE 250 IDAHO FALLS, OR 83401 | AFLAC | $46 | $0 | $46 | 1.19% |
| MJ INSURANCE3 Filed as: DAVID HANNANT AND VARIOUS AGENTS | 14830 NE 167TH STREET WOODINVILLE, WA 98072 | AFLAC | $44 | $0 | $44 | 1.14% |
| DAVID E CIAMPOLI3 Filed as: DAVID E. CIAMPOLI | 1204 BIG OAK DRIVE ALMA, AR 72921 | AFLAC | $40 | $0 | $40 | 1.03% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 63 | $31K |
| Vision | VISION SERVICE PLAN | 124 | $15K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $46K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.