| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET SEATTLE, WA 98101 | ASURIS NORTHWEST HEALTH | $42K | $0 | $42K | 4.98% |
| JEFFREY ALAN HARRINGTON3 | 528 EAST SPOKANE FALLS BOULEVARD SPOKANE, WA 99202 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, SUITE 3100 SEATTLE, WA 98101 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.43% |
| TERRY K ALLEN3 Filed as: TERRY K. ALLEN | 20930 EAST HAPPY TRAILS LANE OTIS ORCHARDS, WA 99027 | AFLAC | $3K | $165 | $4K | 12.63% |
| STEVEN PEDERSEN AND OTHER AGENTS3 | 1405 EAST CACTUS AVENUE POST FALLS, ID 83854 | AFLAC | $538 | $25 | $563 | 2.01% |
| KEVIN C HALLAM3 Filed as: KEVIN C. HALLAM | 2145 HYACINTH DRIVE BILLINGS, MT 59105 | AFLAC | $322 | $0 | $322 | 1.15% |
| KRYSTAL HAGERTY3 | 1649 NORTH MEYERS COURT LIBERTY LAKE, WA 99016 | AFLAC | $145 | $0 | $145 | 0.52% |
| JIMMIE J DELBRIDGE3 Filed as: JIMMIE J. DELBRIDGE | 1924 EAST FOXBOROUGH COURT HAYDEN, ID 83835 | AFLAC | $105 | $0 | $105 | 0.37% |
| EDWIN J TEDERS3 Filed as: EDWIN J. TEDERS | 1345 183RD AVENUE NE BELLEVUE, WA 98008 | AFLAC | $104 | $0 | $104 | 0.37% |
| VON KLOHE3 | 1020 EAST 54TH AVENUE SPOKANE, WA 99223 | AFLAC | $82 | $0 | $82 | 0.29% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ASURIS NORTHWEST HEALTH | 89 | $842K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $73K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $73K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $73K |
| Short-term disability | AFLAC | 26 | $28K |
| Prescription drug | ASURIS NORTHWEST HEALTH | 89 | $842K |
| Other(3 contracts, 3 carriers) | ASURIS NORTHWEST HEALTH | 138 | $944K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.