| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | — | DELTA DENTAL OF WASHINGTON | $6K | — | $6K | 2.53% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $10K | $2K | $12K | 11.31% |
| JIMMIE J DELBRIDGE3 Filed as: JIMMIE DELBRIDGE | 1924 E FOXBOROUGH COURT HAYDEN, WA 83835 | AFLAC | $6K | $428 | $7K | 11.37% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | AFLAC | $2K | $0 | $2K | 3.46% |
| TERRY K ALLEN3 Filed as: TERRY ALLEN | 20930 EAST HAPPY TRAILS LANE OTIS ORCHARDS, WA 99027 | AFLAC | $2K | $84 | $2K | 3.10% |
| MJ INSURANCE3 Filed as: LISA HALL AND VARIOUS AGENTS | 686 WEST MOGUL LOOP, APARTMENT 102 HAYDEN, ID 83835 | AFLAC | $645 | $0 | $645 | 1.09% |
| ERIC F CORNETT3 Filed as: ERIC CORNETT | 4029 W SAW BLADE LANE APARTMENT 102 COEUR D ALENE, ID 83814 | AFLAC | $543 | $34 | $577 | 0.98% |
| RODERICK ALLEN BAIR3 Filed as: RODERICK BAIR | 8827 NORTH GOVERNMENT WAY, UNIT 105 HAYDEN, IL 83835 | AFLAC | $331 | $0 | $331 | 0.56% |
| JORDAN D EMMANS3 Filed as: JORDAN EMMANS | 438 WEST 26TH AVENUE SPOKANE, WA 99203 | AFLAC | $153 | $0 | $153 | 0.26% |
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 | 311 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 400 | $245K |
| Vision | DELTA DENTAL OF WASHINGTON | 400 | $245K |
| Life insurance | STANDARD INSURANCE COMPANY | 214 | $103K |
| Short-term disability | AFLAC | 63 | $59K |
| Long-term disability | STANDARD INSURANCE COMPANY | 214 | $103K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 311 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.