| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, 15TH FLOOR SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | $17K | $70K | 6.56% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $4K | $0 | $4K | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 9.16% |
| MALONEY AND ONEIL LIFE, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 3.95% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $687 | $0 | $687 | 7.85% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE, SUITE 800 SPOKANE, WA 99201 | ZURICH AMERICAN INSURANCE COMPANY | $761 | $0 | $761 | 15.01% |
| CORKERY AND JONES BENEFITS, INC.3 | 818 WEST RIVERSIDE, SUITE 800 SPOKANE, WA 99201 | GERBER LIFE INSURANCE COMPANY | $179 | $0 | $179 | 14.99% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $1.1M |
| Dental | DELTA DENTAL OF WASHINGTON | 295 | $191K |
| Vision | VISION SERVICE PLAN | 75 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 189 | $61K |
| Short-term disability | STANDARD INSURANCE COMPANY | 189 | $61K |
| Long-term disability | STANDARD INSURANCE COMPANY | 189 | $61K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $1.1M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 333 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.