| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 1501 FOURTH AVENUE, SUITE 2400 SEATTLE, WA 98101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.28% |
| VERDE HUMAN CAPITAL LLC3 | PO BOX 62 MEDINA, WA 98039 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.72% |
| JOHN MEISENBACH3 Filed as: JOHN V. WALLEN | 1501 FOURTH AVENUE, SUITE 2400 SEATTLE, WA 98101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 1501 FOURTH AVENUE, SUITE 2400 SEATTLE, WA 98101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| KRISTIN MCLAUGHLIN3 | 911 EASTLAND CIRCLE COLUMBIA, MO 65201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.34% |
| O'BRIEN INSURANCE SERVICES INC.3 Filed as: O'BRIEN INSURANCE SERVICE INC. | 55 NE BROADWAY STREET PORTLAND, OR 97232 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $362 | $0 | $362 | 4.18% |
| BENEFITS AMERICA INSURANCE SERVICES3 Filed as: BENEFITS INSURANCE GROUP LLC | 4155 YELLOWSTONE HIGHWAY SUITE 1260 POCATELLO, ID 83202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | $0 | $121 | 1.40% |
| JOY STEWART3 | 4500 MARTIN WAY EAST, SUITE 112 OLYMPIA, WA 98516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | $0 | $81 | 0.93% |
| SUPPLEMENTAL BENEFIT SOLUTIONS3 | PO BOX 1849 LAKE OSWEGO, OR 97035 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | $0 | $54 | 0.62% |
| SHARON FRAZIER | 650 SOUTH GRANT POCATELLO, ID 83204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.13% |
| NOE LUMBRERAS3 | 15733 SE HAPPY VALLEY TOWN CENTER HAPPY VALLEY, OR 97086 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 1501 FOURTH AVENUE, SUITE 2400 SEATTLE, WA 98101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $91 | $0 | $91 | 10.02% |
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 | 623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $121K |
| Short-term disability(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $176K |
| Long-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $168K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.