| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INOVA LLC3 | 9631 NORTH NEVADA STREET SUITE 309 SPOKANE, WA 99218 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 5.82% |
| MORAN BENEFIT ADVISORS INC3 | 9631 NORTH NEVADA STREET SUITE 309 SPOKANE, WA 92218 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 5.82% |
| THE MURRAY GROUP3 Filed as: THE MURRAY GROUP INC | 2014 NORTH GRADY LANE SPOKANE VALLEY, WA 99016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $5K | $11K | 27.18% |
| MORAN BENEFIT ADVISORS INC3 Filed as: MORAN BENEFIT ADVISORS | 9631 NORTH NEVADA STREET SPOKANE, WA 99218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.51% |
| PREMIER WORKSITE SOLUTIONS INC3 | 112 NORTHWEST 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 5.54% |
| BENEFITS BY DESIGN INC3 | 2101 NORTHEAST 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $964 | $492 | $1K | 3.70% |
| GABRIEL ANGEL CANALS3 | 1329 NORTHEAST 236TH AVENUE WOOD VILLAGE, OR 97060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $302 | $432 | 1.10% |
| ROBERTA DICKINSON3 Filed as: ROBERTA J BAKKEN | 8012 WEST CORNING ROAD PEOTONE, IL 60468 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | — | $302 | 0.77% |
| JORGE ALEJANDRO MONTEMAYOR3 Filed as: JORGE H CASTELLANOS | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $38 | $278 | 0.71% |
| DANIEL HARMS3 | 1610 LUCILLE PARKWAY NORTHWEST GIG HARBOR, WA 98335 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 0.43% |
| ELAISIUS BONNER3 | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $62 | $113 | 0.29% |
| JCASTELLANOS AND ASSOCIATES INC3 | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $3 | $76 | 0.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE SUITE 1900 TULSA, OK 74132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $6 | $47 | 0.12% |
| MICHAEL BLOCK3 | 16619 SOUTH PINECREEK DRIVE LOCKPORT, IL 60441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.07% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $11 | $18 | 0.05% |
| ANIMAL EMPIRE INC3 | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.02% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $4 | $6 | 0.02% |
| JOSHUA T JONES3 | 25 GARFIELD LANE STREAMWOOD, IL 60107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DAVID TODD WEINSTEIN3 | 601 WEST JACKSON BOULEVARD UNIT 912 CHICAGO, IL 60661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| WILLIAM D STAEDKE3 | PO BOX 140803 BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| KELLY W PUGH3 | 7367 SOUTH 286TH EAST AVENUE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 285 | $142K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 285 | $142K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 285 | $142K |
| Stop-loss / reinsurancereinsurance | HCC BENEFIT CORP | 225 | $29K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 285 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.