| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERG BENEFITS, INC.3 | 1804 WEST UNION AVENUE TACOMA, WA 98406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.00% |
| BERG BENEFITS, INC.3 | PO BOX 66029 TACOMA, WA 98464 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $1K | $0 | $1K | 5.00% |
| BERG BENEFITS, INC.3 | PO BOX 66029 TACOMA, WA 98464 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.42% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $94 | $0 | $94 | 0.48% |
| SANDRA L AYERS3 Filed as: SANDRA L. AYERS | PO BOX 291 SAN JUAN BAUTISTA, CA 95045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 1.24% |
| DEANA SCHROEDER3 | 23115 120TH AVENUE SE KENT, WA 98031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.58% |
| ROBERT WILLIAM PLATTE3 | 15221 227TH AVENUE NE WOODINVILLE, WA 98077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.49% |
| KENT ANTHONY SHERMAN3 | 19230 LAKE FRANCES ROAD SE MAPLE VALLEY, WA 98038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.36% |
| ELITE-VB LLC3 | 111 HEKILI STREET KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.24% |
| LEZLEY K. ANDERSON3 Filed as: LEZLEY ANDERSON | 5402 NE 124TH STREET VANCOUVER, WA 98686 | AFLAC | $101 | $0 | $101 | 2.72% |
| BENJAMIN G FUHRIMAN3 Filed as: BENJAMIN FUHRIMAN | 1441 NORTH 570 EAST SHELLEY, ID 83274 | AFLAC | $81 | $0 | $81 | 2.18% |
| DVG INSURANCE, INC.3 Filed as: DVG INSURANCE INC. | 6512 18TH AVENUE NW SEATTLE, WA 98117 | AFLAC | $78 | $0 | $78 | 2.10% |
| JACOB J MCINTOSH3 Filed as: JACOB MCINTOSH | 665 SOUTH WOODRUFF AVENUE SUITE 250 IDAHO FALLS, OR 83401 | AFLAC | $45 | $0 | $45 | 1.21% |
| DAVID HANNANT AND VARIOUS BROKERS3 | 14830 NE 167TH STREET WOODINVILLE, WA 98072 | AFLAC | $43 | $0 | $43 | 1.16% |
| DAVID J MCCLELLAN3 Filed as: DAVID CIAMPOLI | 1204 BIG OAK DRIVE ALMA, AR 72921 | AFLAC | $38 | $0 | $38 | 1.02% |
| RAPPORT BENEFITS GROUP INC.3 | 1423 EAST 29TH STREET 205 TACOMA, WA 98404 | AFLAC | $31 | $0 | $31 | 0.84% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 56 | $24K |
| Vision | VISION SERVICE PLAN | 176 | $20K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $43K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.