| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $470 | $470 | 0.68% |
| WILLIAM DUNAGAN3 | 27034 111TH PLACE SE KENT, WA 98030 | AFLAC | $2K | $44 | $2K | 5.45% |
| COTTER CONSULTING & BENEFITS INC3 Filed as: COTTER CONSULTING & BENEFITS | 13526 160TH AVENUE NE REDMOND, WA 98052 | AFLAC | $880 | $0 | $880 | 2.34% |
| MJ INSURANCE3 Filed as: HILARY CAHILL AND VARIOUS AGENTS | 25540 SE 274TH PLACE MAPLE VALLEY, WA 98038 | AFLAC | $738 | $0 | $738 | 1.96% |
| PACIFIC BENEFIT SOLUTIONS LLC3 Filed as: PACIFIC BENEFIT SOLUTIONS | PO BOX 5734 KENT, WA 98064 | AFLAC | $638 | $44 | $682 | 1.81% |
| MARY POHLMAN3 | 27735 214TH AVENUE SE MAPLE VALLEY, WA 98038 | AFLAC | $631 | $20 | $651 | 1.73% |
| DAVID J MCCLELLAN3 Filed as: DAVID CIAMPOLI | 1204 BIG OAK DRIVE ALMA, AR 72921 | AFLAC | $238 | $0 | $238 | 0.63% |
| JAMEY MILLER INC3 | 12942 193RD AVENUE E BONNEY LAKE, WA 98391 | AFLAC | $204 | $20 | $224 | 0.60% |
| WILLIAM DUNAGAN3 | 27034 111TH PLACE SE KENT, WA 98030 | AFLAC | $3K | $82 | $3K | 8.71% |
| PACIFIC BENEFIT SOLUTIONS LLC3 Filed as: PACIFIC BENEFIT SOLUTIONS | PO BOX 5734 KENT, WA 98064 | AFLAC | $2K | $71 | $2K | 4.69% |
| MARY POHLMAN3 | 27735 214TH AVENUE SE MAPLE VALLEY, WA 98038 | AFLAC | $1K | $38 | $1K | 3.76% |
| MJ INSURANCE3 Filed as: C. WEISSBURGER AND VARIOUS AGENTS | 54110 MICHELE LANE SHELBY TOWNSHIP, MI 48315 | AFLAC | $633 | $12 | $645 | 1.75% |
| JAMEY MILLER INC3 | 12942 193RD AVENUE E BONNEY LAKE, WA 98391 | AFLAC | $586 | $38 | $624 | 1.70% |
| COTTER CONSULTING & BENEFITS INC3 Filed as: COTTER CONSULTING & BENEFITS | 13526 160TH AVENUE NE REDMOND, WA 98052 | AFLAC | $250 | $0 | $250 | 0.68% |
| BRANDON PENKO3 Filed as: BRANDON HOOBLER | 1230 SOUTH 336TH STREET, SUITE A FEDERAL WAY, WA 98003 | AFLAC | $112 | $0 | $112 | 0.30% |
| WILLIAM DUNAGAN3 | 27034 111TH PLACE SE KENT, WA 98030 | AFLAC | $969 | $43 | $1K | 7.66% |
| MARY POHLMAN3 | 27735 214TH AVENUE SE MAPLE VALLEY, WA 98038 | AFLAC | $441 | $17 | $458 | 3.47% |
| PACIFIC BENEFIT SOLUTIONS LLC3 Filed as: PACIFIC BENEFIT SOLUTIONS | PO BOX 5734 KENT, WA 98064 | AFLAC | $407 | $29 | $436 | 3.30% |
| CHARLES H WEISSBERGER3 Filed as: CHARLES WEISSBURGER | 54110 MICHELE LANE SHELBY TOWNSHIP, MI 48315 | AFLAC | $240 | $0 | $240 | 1.82% |
| THE WRIGHT BENEFITS LLC3 | 4923 LAKERIDGE DRIVE E LAKE TAPPS, WA 98391 | AFLAC | $185 | $0 | $185 | 1.40% |
| JAMEY MILLER INC3 | 12942 193RD AVENUE E BONNEY LAKE, WA 98391 | AFLAC | $155 | $17 | $172 | 1.30% |
| MJ INSURANCE3 Filed as: JACOB MCINTOSH AND VARIOUS AGENTS | 665 SOUTH WOODRUFF AVENUE SUITE 250 IDAHO FALLS, OR 83401 | AFLAC | $44 | $0 | $44 | 0.33% |
| LIBERTY BENEFITS GROUP LLC3 | PO BOX 691 WOODINVILLE, WA 98072 | VISION SERVICE PLAN | $850 | $0 | $850 | 6.70% |
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 | 198 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 247 | $155K |
| Vision | VISION SERVICE PLAN | 151 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $70K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $70K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.