| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM DUNAGAN3 Filed as: WILLIAM R. DUNGAN | 27034 111TH PLACE SE KENT, WA 98030 | AFLAC | $4K | $181 | $4K | 9.29% |
| COTTER CONSULTING & BENEFITS INC3 Filed as: COTTER CONSULTING AND BENEFITS, INC | 13526 160TH AVENUE NE REDMOND, WA 98052 | AFLAC | $1K | $0 | $1K | 2.43% |
| CHARLES H WEISSBERGER3 Filed as: CHARLES WEISSBERGER AND OTHER AGENT | 308 GRAHAM AVENUE SE RENTON, WA 98059 | AFLAC | $924 | $0 | $924 | 2.09% |
| MARY POHLMAN3 | 6102 90TH AVENUE SE MERCER ISLAND, WA 98040 | AFLAC | $657 | $36 | $693 | 1.57% |
| DAVID E CIAMPOLI3 Filed as: DAVID E. CIAMPOLI | 1204 BIG OAK DRIVE ALMA, AR 72921 | AFLAC | $301 | $0 | $301 | 0.68% |
| MJ INSURANCE3 Filed as: HILLARY K. CAHILL | 25540 SE 274TH PLACE MAPLE VALLEY, WA 98038 | AFLAC | $209 | $0 | $209 | 0.47% |
| JACOB J MCINTOSH3 Filed as: JACOB J. MCINTOSH | 665 SOUTH WOODRUFF AVENUE SUITE 250 IDAHO FALLS, OR 83401 | AFLAC | $205 | $0 | $205 | 0.46% |
| WILLIAM DUNAGAN3 Filed as: WILLIAM R. DUNGAN | 27034 111TH PLACE SE KENT, WA 98030 | AFLAC | $4K | $97 | $4K | 10.17% |
| MARY POHLMAN3 | 6102 90TH AVENUE SE MERCER ISLAND, WA 98040 | AFLAC | $911 | $19 | $930 | 2.24% |
| BRANDON C. HOOBLER AND OTHER AGENTS3 | 1230 SOUTH 336TH STREET, SUITE A FEDERAL WAY, WA 98003 | AFLAC | $782 | $0 | $782 | 1.89% |
| COTTER CONSULTING & BENEFITS INC3 Filed as: COTTER CONSULTING AND BENEFITS, INC | 13526 160TH AVENUE NE REDMOND, WA 98052 | AFLAC | $383 | $0 | $383 | 0.92% |
| JACOB J MCINTOSH3 Filed as: JACOB J. MCINTOSH | 665 SOUTH WOODRUFF AVENUE SUITE 250 IDAHO FALLS, OR 83401 | AFLAC | $250 | $0 | $250 | 0.60% |
| CHARLES H WEISSBERGER3 Filed as: CHARLES H. WEISSBERGER | 308 GRAHAM AVENUE SE RENTON, WA 98059 | AFLAC | $180 | $0 | $180 | 0.43% |
| CHARLES H WEISSBERGER3 Filed as: CHARLES H. WEISSBERGER | 5128 CREEKMONTE DRIVE ROCHESTER, MI 48306 | AFLAC | $164 | $0 | $164 | 0.40% |
| LIBERTY BENEFITS GROUP LLC3 Filed as: LIBERTY BENEFITS GROUP, LLC | 4100 194TH STREET SW, SUITE 380 LYNWOOD, WA 98036 | VISION SERVICE PLAN | $723 | $0 | $723 | 6.89% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 249 | $119K |
| Vision | VISION SERVICE PLAN | 170 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $60K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $60K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
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.