| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | DELTA DENTAL OF WASHINGTON | $7K | — | $7K | 2.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $6K | $17K | 12.72% |
| JIMMIE J DELBRIDGE3 Filed as: JIMMIE J. DELBRIDGE | 1924 EAST FOXBOROUGH COURT HAYDEN, ID 83835 | AFLAC | $5K | $256 | $5K | 10.35% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | AFLAC | $2K | $0 | $2K | 4.01% |
| TERRY K ALLEN3 Filed as: TERRY K. ALLEN | 20930 EAST HAPPY TRAILS LANE OTIS ORCHARDS, WA 99027 | AFLAC | $1K | $48 | $1K | 3.10% |
| RODERICK ALLEN BAIR3 | 8827 NORTH GOVERNMENT WAY, UNIT 105 HAYDEN, ID 83835 | AFLAC | $206 | $0 | $206 | 0.43% |
| LISA M HALL3 Filed as: LISA M. HALL & OTHERS | 686 WEST MOGUL LOOP, APARTMENT 102 HYDEN, ID 83835 | AFLAC | $203 | $0 | $203 | 0.42% |
| ERIC F CORNETT3 Filed as: ERIC F. CORNETT | 4029 WEST SAW BLADE LANE APARTMENT 102 COEUR D ALENE, ID 83814 | AFLAC | $77 | $30 | $107 | 0.22% |
| JORDAN D EMMANS3 Filed as: JORDAN D. EMMANS | 438 WEST 26TH AVENUE SPOKANE, WA 99203 | AFLAC | $76 | $0 | $76 | 0.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | DELTA DENTAL OF WASHINGTON | $249 | $0 | $249 | 0.86% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 437 | $266K |
| Vision | DELTA DENTAL OF WASHINGTON | 368 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $135K |
| Short-term disability | AFLAC | 57 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $135K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.