| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | LIFEMAP ASSURANCE COMPANY | $11K | $0 | $11K | 12.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 2945 YAKIMA, WA 98907 | LIFEMAP ASSURANCE COMPANY | $986 | $0 | $986 | 1.12% |
| SEAN F HARRINGTON3 Filed as: SEAN F HARRINGTON AND OTHER AGENTS | 11151 MIERAS ROAD YAKIMA, WA 98901 | AFLAC | $5K | $0 | $5K | 7.61% |
| GERALD INGRAHAM3 | 6 SOUTH 2ND STREET, SUITE 718 YAKIMA, WA 98901 | AFLAC | $1K | $0 | $1K | 2.16% |
| VIRGINIA R. STAGGERS3 Filed as: VIRGINIA R STAGGERS | 260 NORTHWEST GOLDEN HILLS DRIVE SUITE 29 PULLMAN, WA 99163 | AFLAC | $1K | $0 | $1K | 1.67% |
| BRIAN W. BALMES3 Filed as: BRIAN W BALMES | 302 SOUTH 1ST STREET YAKIMA, WA 98901 | AFLAC | $968 | $0 | $968 | 1.54% |
| LINDA F CRAIG3 | 1374 UPLAND DRIVE SUNNYSIDE, WA 98944 | AFLAC | $548 | $0 | $548 | 0.87% |
| VIRGINIA R. STAGGERS3 Filed as: VIRGINIA R STAGGERS | 303 1/2 COLUMBIA AVENUE SUNNYSIDE, WA 98944 | AFLAC | $446 | $0 | $446 | 0.71% |
| MARK D. VAN HOLLEBEKE3 Filed as: MARK D VAN HOLLEBEKE | PO BOX 390 SUNNYSIDE, WA 98944 | AFLAC | $414 | $0 | $414 | 0.66% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFEMAP ASSURANCE COMPANY | 153 | $88K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 153 | $88K |
| Other(3 contracts, 3 carriers) | LIFEMAP ASSURANCE COMPANY | 153 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.