| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1420 5TH AVE SUITE 1500 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $6K | $0 | $6K | 2.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3144 SPOKANE, WA 98220 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 970 RESERVE DR, SUITE 200 ROSEVILLE, CA 95678 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 2.90% |
| JIMMIE J DELBRIDGE3 Filed as: JIMMIE DELBRIDGE | 1924 E FOXBOROUGH CT HAYDEN, ID 83835 | AFLAC | $6K | $293 | $6K | 12.66% |
| RODERICK ALLEN BAIR3 Filed as: RODERICK BAIR | 8827 N GOVERNMENT WAY, UNIT 105 COEUR D ALENE, ID 83835 | AFLAC | $854 | $31 | $885 | 1.83% |
| LISA HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $466 | $61 | $527 | 1.09% |
| JORDAN D EMMANS3 Filed as: JORDAN EMMANS | 438 W 26TH AVE SPOKANE, WA 99203 | AFLAC | $448 | $28 | $476 | 0.98% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS LESS THAN 50 DOLLARS | — | AFLAC | $257 | $12 | $269 | 0.56% |
| TERRY K ALLEN3 Filed as: TERRY ALLEN | 20930 E HAPP TRAILS LANE OTIS ORCHARDS, WA 99027 | AFLAC | $154 | $2 | $156 | 0.32% |
| DARAN L WYCKOFF3 Filed as: DARAN WYCKOFF | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $121 | $0 | $121 | 0.25% |
| DIXIE D SIMON3 Filed as: DIXIE SIMON | 509 N. SHAMROCK ROAD SPOKANE VALLEY, WA 99037 | AFLAC | $101 | $0 | $101 | 0.21% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.26% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 213 | $222K |
| Vision | VISION SERVICE PLAN | 189 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 229 | $144K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 229 | $192K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 229 | $144K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 229 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.