| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERG BENEFITS, INC.3 Filed as: BERG BENEFITS INC. | PO BOX 66029 TACOMA, WA 98464 | AMERITAS LIFE INSURANCE CORPORATION | $17K | $0 | $17K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $3K | $3K | 1.98% |
| USI INSURANCE SERVICES LLC Filed as: USI SOUTHWEST INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORPORATION | $0 | -$3K | -$3K | -1.98% |
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN INC. | 1804 WEST UNION AVENUE TACOMA, WA 98406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $793 | $0 | $793 | 10.06% |
| PACIFIC ADVISORS LLC3 | UNKNOWN SHELTON, WA 98584 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $522 | $0 | $522 | 6.63% |
| BERG BENEFITS, INC.3 Filed as: BERG BENEFITS | PO BOX 66029 TACOMA, WA 98464 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $676 | $0 | $676 | 9.00% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 459 | $175K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 459 | $167K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $8K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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.