| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONOVER INSURANCE SERVICES LLC3 | 3911 CASTLEVALE ROAD, SUITE 201 YAKIMA, WA 98902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.15% |
| LINDA F CRAIG3 Filed as: LINDA F. CRAIG | 1338 TRACTOR LOOP EAST WENATCHEE, WA 98802 | AFLAC | $408 | $0 | $408 | 3.93% |
| MJ INSURANCE3 Filed as: BECKY A. RUPPERT AND VARIOUS AGENTS | 1691 ARROWSMITH ROAD SUNNYSIDE, WA 98944 | AFLAC | $329 | $0 | $329 | 3.17% |
| MICHAEL D SCHULTZ3 Filed as: MICHAEL T. PETTERSON | 203 NORTH CENTENNIAL STREET MOXEE, WA 98936 | AFLAC | $146 | $0 | $146 | 1.41% |
| SEAN F HARRINGTON3 Filed as: SEAN F. HARRINGTON | 11151 MIERAS ROAD YAKIMA, WA 98901 | AFLAC | $77 | $0 | $77 | 0.74% |
| GERALD INGRAHAM3 | PO BOX 133 MOXEE, WA 98936 | AFLAC | $76 | $0 | $76 | 0.73% |
| PAMELA CRAIG3 | 1338 TRACTOR LOOP EAST WENATCHEE, WA 98802 | AFLAC | $68 | $0 | $68 | 0.66% |
| DAVID S. MCDONNELL3 | 7004 WEST PIERCE COURT YAKIMA, WA 98908 | AFLAC | $50 | $0 | $50 | 0.48% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $66K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $66K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.