| 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 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.51% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $136 | $0 | $136 | 0.52% |
| BERG BENEFITS, INC.3 | PO BOX 66029 TACOMA, WA 98464 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $1K | $0 | $1K | 5.00% |
| SANDRA L AYERS3 Filed as: SANDRA L. SHERMAN | 15 STEPHENS DRIVE SAN JUAN BAUTISTA, CA 95045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 1.47% |
| ROBERT WILLIAM PLATTE3 | 15221 227TH AVENUE NE WOODINVILLE, WA 98077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.58% |
| KENT ANTHONY SHERMAN3 | 15 STEPHENS DRIVE SAN JUAN BAUTISTA, CA 95045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.42% |
| PAMELA WHITFIELD3 | 111 HEKILI STREET KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.29% |
| LEZLEY K. ANDERSON3 | 5402 NE 124TH STREET VANCOUVER, WA 98686 | AFLAC | $74 | $0 | $74 | 3.44% |
| BENJAMIN G FUHRIMAN3 Filed as: BENJAMIN G. FUHRIMAN | 1441 NORTH 570 EAST SHELLEY, ID 83274 | AFLAC | $40 | $0 | $40 | 1.86% |
| DVG INSURANCE, INC.3 | 6512 18TH AVENUE NW SEATTLE, WA 98117 | AFLAC | $36 | $0 | $36 | 1.68% |
| JACOB J MCINTOSH3 Filed as: JACOB J. MCINTOSH | 665 SOUTH WOODRUFF AVENUE SUITE 250 IDAHO FALLS, OR 83401 | AFLAC | $33 | $0 | $33 | 1.54% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOHN HANNANT | 14830 NE 167TH STREET WOODINVILLE, WA 98072 | AFLAC | $21 | $0 | $21 | 0.98% |
| DAVID E CIAMPOLI3 Filed as: DAVID E. CIAMPOLI | 1204 BIG OAK DRIVE ALMA, AR 72921 | AFLAC | $19 | $0 | $19 | 0.88% |
| CRAIG A HANSEN3 Filed as: CRAIG A. HANSEN AND OTHER AGENTS | 6848 RIVERDALE DRIVE SE TUMWATER, WA 98501 | AFLAC | $7 | $0 | $7 | 0.33% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 43 | $21K |
| Vision | VISION SERVICE PLAN | 167 | $26K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $45K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.