| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN INC. | P.O. BOX 66029 TACOMA, WA 984640075 | DELTA DENTAL OF WASHINGTON | $8K | — | $8K | 4.71% |
| RAPPORT BENEFITS GROUP INC.3 | 12708 252ND STREET E GRAHAM, WA 983386739 | DELTA DENTAL OF WASHINGTON | $3K | — | $3K | 2.01% |
| RAPPORT BENEFITS GROUP INC.3 | 12708 252ND STREET E GRAHAM, WA 983386739 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.89% |
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN INC. | P.O. BOX 66029 TACOMA, WA 984640075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $216 | — | $216 | 1.12% |
| RAPPORT BENEFITS GROUP INC.3 | 12708 252ND STREET E GRAHAM, WA 983386739 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.89% |
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN INC. | P.O. BOX 66029 TACOMA, WA 984640075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $210 | — | $210 | 1.11% |
| RAPPORT BENEFITS GROUP INC.3 | 12708 252ND STREET E GRAHAM, WA 983386739 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.78% |
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN INC. | P.O. BOX 66029 TACOMA, WA 984640075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $157 | — | $157 | 1.22% |
| RAPPORT BENEFITS GROUP INC.3 | 12708 252ND STREET E GRAHAM, WA 983386739 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $807 | — | $807 | 13.84% |
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN INC. | P.O. BOX 66029 TACOMA, WA 984640075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $68 | — | $68 | 1.17% |
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 | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 203 | $1.3M |
| Dental | DELTA DENTAL OF WASHINGTON | 231 | $168K |
| Vision | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 203 | $1.3M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $32K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 26 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $19K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.