| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 3911 CASTLEVALE ROAD, SUITE 201 YAKIMA, UT 98902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.78% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIRE STREET, 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $549 | $549 | 0.77% |
| LINDA F CRAIG3 | 1336 THEO WAY ROCK ISLAND, WA 98850 | AFLAC | $320 | $0 | $320 | 3.31% |
| BECKY A RUPPERT AND OTHER AGENTS3 | 1691 ARROWSMITH ROAD SUNNYSIDE, WA 98944 | AFLAC | $308 | $0 | $308 | 3.18% |
| MICHAEL D SCHULTZ3 Filed as: MICHAEL T PETTERSON | 6334 SOMERSBY COURT BW ROCHESTER, MN 55901 | AFLAC | $154 | $0 | $154 | 1.59% |
| SEAN F HARRINGTON3 | 11151 MIERAS ROAD YAKIMA, WA 98901 | AFLAC | $89 | $0 | $89 | 0.92% |
| DAVID S. MCDONNELL3 Filed as: DAVID S MCDONNELL | 7004 WEST PIERCE COURT YAKIMA, WA 98908 | AFLAC | $79 | $0 | $79 | 0.82% |
| SHERRIE JANE NELSON3 Filed as: SHERRIE JANE KROMOFF | 3413 NORTH STAGECOACH DRIVE POST FALLS, ID 83854 | AFLAC | $68 | $0 | $68 | 0.70% |
| PAMELA CRAIG3 | 1336 THEO WAY ROCK ISLAND, WA 98850 | AFLAC | $60 | $0 | $60 | 0.62% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $71K |
| Short-term disability | AFLAC | 12 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $71K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.