| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM DUNAGAN3 Filed as: WILLIAM R DUNAGAN | 27034 111TH PLACE SE KENT, WA 98030 | AFLAC | $3K | $337 | $4K | 8.52% |
| COTTER CONSULTING & BENEFITS INC3 | 13526 160TH AVENUE NE REDMOND, WA 98052 | AFLAC | $1K | $0 | $1K | 2.63% |
| MJ INSURANCE3 Filed as: HILARY K CAHILL AND VARIOUS AGENTS | 25540 SE 274TH PLACE MAPLE VALLEY, WA 98038 | AFLAC | $1K | $0 | $1K | 2.54% |
| JACOB J MCINTOSH3 | 7180 SW FIR LOOP, SUITE 250 TIGARD, OR 97223 | AFLAC | $438 | $67 | $505 | 1.17% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOHN HANNANT | 14830 NE 167TH STREET WOODINVILLE, WA 98072 | AFLAC | $257 | $67 | $324 | 0.75% |
| DAVID E CIAMPOLI3 Filed as: DAVID E CIAMPOI | 1204 BIG OAK DRIVE ALMA, AR 72921 | AFLAC | $226 | $0 | $226 | 0.52% |
| BRANDON PENKO3 Filed as: BRANDON C HOOBLER | 14220 INTERURBAN AVENUE SOUTH SUITE 150 SEATTLE, WA 98168 | AFLAC | $220 | $0 | $220 | 0.51% |
| WILLIAM DUNAGAN3 Filed as: WILLIAM R DUNAGAN | 27034 111TH PLACE SE KENT, WA 98030 | AFLAC | $6K | $251 | $6K | 14.81% |
| MJ INSURANCE3 Filed as: DAVID J HANNANT AND VARIOUS AGENTS | 14830 NE 167TH STREET WOODINVILLE, WA 98072 | AFLAC | $822 | $46 | $868 | 2.04% |
| BRANDON PENKO3 Filed as: BRANDON C HOOBLER | 14220 INTERURBAN AVENUE SOUTH SUITE 150 SEATTLE, WA 98168 | AFLAC | $684 | $4 | $688 | 1.62% |
| MARY POHLMAN3 | 14220 INTERURBAN AVENUE SOUTH SUITE 150 TUKWILA, WA 98168 | AFLAC | $630 | $4 | $634 | 1.49% |
| COTTER CONSULTING & BENEFITS INC3 Filed as: COTTER CONSUTING & BENEFITS INC. | 13526 160TH AVENUE NE REDMOND, WA 98052 | AFLAC | $471 | $0 | $471 | 1.11% |
| MARY POHLMAN3 | 6102 90TH AVENUE SE MERCER ISLAND, WA 98040 | AFLAC | $432 | $0 | $432 | 1.01% |
| JACOB J MCINTOSH3 | 7180 SW FIR LOOP, SUITE 250 TIGARD, OR 97223 | AFLAC | $347 | $46 | $393 | 0.92% |
| LIBERTY BENEFITS GROUP LLC3 Filed as: LIBERTY BENEFITS GROUP, LLC | 4100 194TH STREET SW, SUITE 380 LYNNWOOD, WA 98036 | VISION SERVICE PLAN | $767 | $0 | $767 | 7.40% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 251 | $116K |
| Vision | VISION SERVICE PLAN | 123 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $51K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $51K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.