| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, SUITE 3100 SEATTLE, WA 98101 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $848 | $4K | 16.88% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS,INC. | 9725 3RD AVENUE NE, SUITE 110 SEATTLE, WA 98115 | PRINCIPAL LIFE INSURANCE COMPANY | — | $649 | $649 | 2.85% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SPOKANE, WA 99201 | PRINCIPAL LIFE INSURANCE COMPANY | — | $389 | $389 | 1.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2448 NORTH MERRIT CREEK LOOP COEUR D ALENE, ID 83814 | PRINCIPAL LIFE INSURANCE COMPANY | — | $282 | $282 | 1.24% |
| DWIGHT L WEIGELT3 Filed as: DWIGHT L. WEIGELT | 4930 NORTH PASADENA LANE APARTMENT 110 SPOKANE VALLEY, WA 99212 | AFLAC | $1K | $130 | $1K | 7.73% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | AFLAC | $708 | $0 | $708 | 3.94% |
| DANIEL J ERTZ3 Filed as: DANIEL J. ERTZ | 14578 WEST PRAIRIE AVENUE POST FALLS, ID 83854 | AFLAC | $548 | $25 | $573 | 3.19% |
| TERRY K ALLEN3 Filed as: TERRY K. ALLEN | 20930 EAST HAPPY TRAILS LANE OTIS ORCHARDS, WA 99027 | AFLAC | $331 | $25 | $356 | 1.98% |
| KEVIN C HALLAM3 Filed as: KEVIN C. HALLAM | 2145 HYACINTH DRIVE BILLINGS, MT 59105 | AFLAC | $247 | $0 | $247 | 1.37% |
| LISA M HALL3 Filed as: LISA M. HALL & OTHER AGENTS | 686 WEST MOGUL LOOP APARTMENT 102 HAYDEN, ID 83835 | AFLAC | $187 | $0 | $187 | 1.04% |
| VALERIE J. HALLAM3 | 2145 HYACINTH DRIVE BILLINGS, MT 59105 | AFLAC | $86 | $0 | $86 | 0.48% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | PREMERA BLUE CROSS | — | $3K | $3K | 46.54% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMERA BLUE CROSS | 119 | $5K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 139 | $23K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 139 | $23K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 106 | $18K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 139 | $23K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 139 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.