| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 14.18% |
| MJ INSURANCE3 Filed as: SINDY STAGGERS AND VARIOUS AGENTS | 6131 COLBY AVENUE EVERETT, WA 98203 | AFLAC | $2K | $4 | $2K | 3.59% |
| GERALD INGRAHAM3 | PO BOX 133 MOXEE, WA 98936 | AFLAC | $2K | $26 | $2K | 2.71% |
| VIRGINIA R. STAGGERS3 | 260 NW GOLDEN HILLS DRIVE, SPACE 29 PULLMAN, WA 99163 | AFLAC | $1K | $0 | $1K | 2.26% |
| BRIAN W. BALMES3 | 757 HIGH VALLEY ROAD SELAH, WA 98942 | AFLAC | $914 | $0 | $914 | 1.41% |
| LINDA F CRAIG3 Filed as: LINDA F. CRAIG | 1338 TRACTOR LOOP EAST WENATCHEE, WA 98802 | AFLAC | $590 | $0 | $590 | 0.91% |
| MARK D. VAN HOLLEBEKE3 | PO BOX 390 SUNNYSIDE, WA 98944 | AFLAC | $425 | $0 | $425 | 0.66% |
| SEAN F HARRINGTON3 Filed as: SEAN F. HARRINGTON | 11151 MIERAS ROAD YAKIMA, WA 98901 | AFLAC | $387 | $0 | $387 | 0.60% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $0 | $917 | $917 | 3.77% |
| STEALTH PARTNERS GROUP LLC3 | 18940 NORTH PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $0 | $300 | $300 | 1.23% |
| KYLE L KAUFFMAN3 Filed as: KYLE L. KAUFFMAN | PO BOX 1877 WARSAW, IN 46581 | AFLAC | $2K | $91 | $2K | 7.79% |
| MJ INSURANCE3 Filed as: JUSTIN E FINTON AND VARIOUS AGENTS | 112 SOUTH ANDERSON STREET ELWOOD, IN 46036 | AFLAC | $228 | $0 | $228 | 1.04% |
| TIMOTHY GUY HICKS3 | 509 WEST 6TH STREET MILFORD, IN 46542 | AFLAC | $164 | $0 | $164 | 0.75% |
| CHARLES L GRAY3 Filed as: CHARLES L. GRAY | 3122 MARIS DRIVE FORT WAYNE, IN 46815 | AFLAC | $105 | $0 | $105 | 0.48% |
| JONATHAN DAVID BESWARICK3 | 220 INSURANCE DRIVE FORT WAYNE, IN 46825 | AFLAC | $60 | $15 | $75 | 0.34% |
| JERAD C CROOKS3 Filed as: JERAD C. CROOKS | 540 MAIN STREET BOURBON, IN 46504 | AFLAC | $56 | $0 | $56 | 0.25% |
| DAVID R KREMER3 Filed as: DAVID R. KREMER | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | AFLAC | $53 | $0 | $53 | 0.24% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $67K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.