| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $233 | $233 | 0.32% |
| WILLIAM DUNAGAN3 | 27034 111TH PLACE SE KENT, WA 98030 | AFLAC | $2K | $67 | $3K | 5.90% |
| MJ INSURANCE3 Filed as: HILARY CAHILL AND VARIOUS AGENTS | 25540 SE 274TH PLACE MAPLE VALLEY, WA 98038 | AFLAC | $1K | $16 | $1K | 2.48% |
| COTTER CONSULTING & BENEFITS INC3 Filed as: COTTER CONSULTING & BENEFITS, INC. | 13526 160TH AVENUE NE REDMOND, WA 98052 | AFLAC | $1K | $0 | $1K | 2.46% |
| MARY POHLMAN3 | 27735 214TH AVENUE SE MAPLE VALLEY, WA 98030 | AFLAC | $692 | $16 | $708 | 1.64% |
| BRUCE W. FORD3 Filed as: BRUCE FORD | PO BOX 5734 KENT, WA 98064 | AFLAC | $584 | $0 | $584 | 1.36% |
| DAVID J MCCLELLAN3 Filed as: DAVID CIAMPOLI | 1204 BIG OAK DRIVE ALMA, AR 72921 | AFLAC | $293 | $0 | $293 | 0.68% |
| JAMEY MILLER INC3 Filed as: JAMEY MILLER, INC. | 6270 TERRACE VIEW LANE SE AUBURN, WA 98092 | AFLAC | $203 | $0 | $203 | 0.47% |
| WILLIAM DUNAGAN3 | 27034 111TH PLACE SE KENT, WA 98030 | AFLAC | $2K | $126 | $3K | 7.92% |
| MARY POHLMAN3 | 27735 214TH AVENUE SE MAPLE VALLEY, WA 98030 | AFLAC | $924 | $29 | $953 | 2.90% |
| BRUCE W. FORD3 Filed as: BRUCE FORD | PO BOX 5734 KENT, WA 98064 | AFLAC | $869 | $0 | $869 | 2.64% |
| MJ INSURANCE3 Filed as: BRANDON HOOBLER AND VARIOUS AGENTS | 1230 SOUTH 336TH STREET, SUITE A FEDERAL WAY, WA 98003 | AFLAC | $705 | $0 | $705 | 2.14% |
| JAMEY MILLER INC3 Filed as: JAMEY MILLER, INC. | 6270 TERRACE VIEW LANE SE AUBURN, WA 98092 | AFLAC | $279 | $0 | $279 | 0.85% |
| COTTER CONSULTING & BENEFITS INC3 Filed as: COTTER CONSULTING & BENEFITS, INC. | 13526 160TH AVENUE NE REDMOND, WA 98052 | AFLAC | $250 | $0 | $250 | 0.76% |
| CHARLES D. BLOCK3 Filed as: CHARLES WEISSBERGER | 54110 MICHELE LANE SHELBY TOWNSHIP, MI 48315 | AFLAC | $136 | $29 | $165 | 0.50% |
| LIBERTY BENEFITS GROUP LLC3 Filed as: LIBERTY BENEFITS GROUP, LLC | PO BOX 691 WOODINVILLE, WA 98072 | VISION SERVICE PLAN | $856 | $0 | $856 | 6.93% |
| WILLIAM DUNAGAN3 | 27034 111TH PLACE SE KENT, WA 98030 | AFLAC | $681 | $185 | $866 | 8.73% |
| MARY POHLMAN3 | 27735 214TH AVENUE SE MAPLE VALLEY, WA 98030 | AFLAC | $300 | $43 | $343 | 3.46% |
| CHARLES D. BLOCK3 Filed as: CHARLES WEISSBERGER | 54110 MICHELE LANE SHELBY TOWNSHIP, MI 48315 | AFLAC | $183 | $43 | $226 | 2.28% |
| BRUCE W. FORD3 Filed as: BRUCE FORD | PO BOX 5734 KENT, WA 98064 | AFLAC | $141 | $0 | $141 | 1.42% |
| THE WRIGHT BENEFITS LLC3 Filed as: THE WRIGHT BENEFITS, LLC | 4923 LAKERIDGE DRIVE EAST LAKE TAPPS, WA 98391 | AFLAC | $105 | $0 | $105 | 1.06% |
| JAMEY MILLER INC3 Filed as: JAMEY MILLER, INC. | 6270 TERRACE VIEW LANE SE AUBURN, WA 98092 | AFLAC | $60 | $0 | $60 | 0.60% |
| PACIFIC BNFT SOLTNS & OTHER AGENTS3 | PO BOX 5734 KENT, WA 98064 | AFLAC | $56 | $0 | $56 | 0.56% |
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 | 185 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 243 | $130K |
| Vision | VISION SERVICE PLAN | 141 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $72K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $72K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.