| 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 | $6K | $0 | $6K | 2.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $11K | $2K | $14K | 12.94% |
| JIMMIE J DELBRIDGE3 Filed as: JIMMIE DELBRIDGE | 1924 EAST FOXBOROUGH COURT HAYDEN, ID 83835 | AFLAC | $7K | $47 | $7K | 11.38% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | AFLAC | $2K | $0 | $2K | 3.30% |
| TERRY K ALLEN3 Filed as: TERRY ALLEN | 20930 EAST HAPPY TRAILS LANE OTIS ORCHARDS, WA 99027 | AFLAC | $1K | $11 | $1K | 2.43% |
| RODERICK ALLEN BAIR3 Filed as: RODERICK BAIR | 8827 NORTH GOVERNMENT WAY, UNIT 105 HAYDEN, ID 83835 | AFLAC | $420 | $0 | $420 | 0.72% |
| MJ INSURANCE3 Filed as: ERIC CORNETT AND VARIOUS AGENTS | 2961 WEST WILBUR AVENUE COEUR D ALENE, ID 83815 | AFLAC | $273 | $0 | $273 | 0.47% |
| JORDAN D EMMANS3 Filed as: JORDAN EMMANS | 438 WEST 26TH AVENUE SPOKANE, WA 99203 | AFLAC | $170 | $0 | $170 | 0.29% |
| LISA HALL3 | 686 WEST MOGUL LOOP, APARTMENT 102 HAYDEN, ID 83835 | AFLAC | $156 | $0 | $156 | 0.27% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.60% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 435 | $245K |
| Vision | VISION SERVICE PLAN | 182 | $31K |
| Life insurance | STANDARD INSURANCE COMPANY | 222 | $105K |
| Short-term disability | AFLAC | 66 | $58K |
| Long-term disability | STANDARD INSURANCE COMPANY | 222 | $105K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 222 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.