| 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 | $5K | $0 | $5K | 10.00% |
| BERG BENEFITS, INC.3 | PO BOX 66029 TACOMA, WA 98464 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.98% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $117 | $0 | $117 | 0.49% |
| BERG BENEFITS, INC.3 | PO BOX 66029 TACOMA, WA 98464 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $770 | $0 | $770 | 5.00% |
| SANDRA L AYERS3 Filed as: SANDRA L. SHERMAN | 15 STEPHENS DRIVE SAN JUAN BAUTISTA, CA 95045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 1.41% |
| ROBERT WILLIAM PLATTE3 | 15221 227TH AVENUE NE WOODINVILLE, WA 98077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.54% |
| KENT ANTHONY SHERMAN3 | 15 STEPHENS DRIVE SAN JUAN BAUTISTA, CA 95045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.44% |
| PAMELA WHITFIELD3 | 646 A AKOAKOA STREET KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.33% |
| LEZLEY K. ANDERSON3 | 5402 NE 124TH STREET VANCOUVER, WA 98686 | AFLAC | $25 | $0 | $25 | 2.50% |
| DVG INSURANCE, INC.3 | 6512 18TH AVENUE NW SEATTLE, WA 98117 | AFLAC | $21 | $0 | $21 | 2.10% |
| JACOB J MCINTOSH3 Filed as: JACOB J. MCINTOSH | 665 SOUTH WOODRUFF AVENUE SUITE 250 IDAHO FALLS, OR 83401 | AFLAC | $19 | $0 | $19 | 1.90% |
| BENJAMIN G FUHRIMAN3 Filed as: BENJAMIN G. FUHRIMAN | 1441 NORTH 570 EAST SHELLEY, ID 83274 | AFLAC | $14 | $0 | $14 | 1.40% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOHN HANNANT | 14830 NE 167TH STREET WOODINVILLE, WA 98072 | AFLAC | $11 | $0 | $11 | 1.10% |
| DAVID E CIAMPOLI3 Filed as: DAVID E. CIAMPOLI | 1204 BIG OAK DRIVE ALMA, AR 72921 | AFLAC | $6 | $0 | $6 | 0.60% |
| CRAIG A HANSEN3 Filed as: CRAIG A. HANSEN AND OTHER AGENTS | 6848 RIVERDALE DRIVE SE TUMWATER, WA 98501 | AFLAC | $4 | $0 | $4 | 0.40% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 33 | $15K |
| Vision | VISION SERVICE PLAN | 144 | $24K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $46K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.