| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDRA LEE BERGMAN3 | 1880 25TH AVENUE NE, SUITE 411 ISSAQUAH, WA 98029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.34% |
| MEGAN ELIZABETH CASTO3 | HOME OFFICE COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $404 | $152 | $556 | 2.31% |
| RANDALL LEE WALLACE3 | 3320 GRAVELY BEACH LOOP NW OLYMPIA, WA 98502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $403 | $1 | $404 | 1.68% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 Filed as: DOUGLAS EDWARD VIESELMEYER | 14405 115TH AVENUE COURT EAST PUYALLUP, WA 98374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | $123 | $375 | 1.56% |
| JODI MOYLAN3 | 19103 MERIDIAN EAST PUYALLUP, WA 98375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | $40 | $319 | 1.33% |
| MELODY ANN OVERLAND3 | 8030 KENTON LANE SE TUMWATER, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $63 | $223 | 0.93% |
| MJ INSURANCE3 Filed as: RONALD JONES AND VARIOUS AGENTS | 320 NANCY COURT MOSCOW, ID 83843 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | $19 | $219 | 0.91% |
| SANDRA LEE BERGMAN3 | 1880 25TH AVENUE NE, SUITE 411 ISSAQUAH, WA 98029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $581 | $0 | $581 | 3.46% |
| ZACHAREE KEITH SIAHPUSH3 | 4412 RENTON AVENUE SOUTH SEATTLE, WA 98108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $117 | $344 | 2.05% |
| MEGAN ELIZABETH CASTO3 | HOME OFFICE COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | $57 | $276 | 1.64% |
| MJ INSURANCE3 Filed as: JODI MOYLAN AND VARIOUS AGENTS | 19103 MERIDIAN EAST PUYALLUP, WA 98375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $21 | $171 | 1.02% |
| RONALD JONES3 | 320 NANCY COURT MOSCOW, ID 83843 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $0 | $142 | 0.84% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 Filed as: DOUGLAS EDWARD VIESELMEYER | 14405 115TH AVENUE COURT EAST PUYALLUP, WA 98374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $25 | $128 | 0.76% |
| ANTONIO JOSE ANGELES3 Filed as: ANTONIO MICHAEL JAIME | 24345 252ND AVENUE SE MAPLE VALLEY, WA 98038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $5 | $76 | 0.45% |
| SANDRA LEE BERGMAN3 | 1880 25TH AVENUE NE, SUITE 411 ISSAQUAH, WA 98029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | $0 | $330 | 3.07% |
| JODI MOYLAN3 | 19103 MERIDIAN EAST PUYALLUP, WA 98375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $29 | $231 | 2.15% |
| MEGAN ELIZABETH CASTO3 | HOME OFFICE COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $49 | $212 | 1.97% |
| DOUGLAS-MCCARTY INSURANCE SERVICES3 Filed as: DOUGLAS EDWARD VIESELMEYER | 14405 115TH AVENUE COURT EAST PUYALLUP, WA 98374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $18 | $88 | 0.82% |
| MJ INSURANCE3 Filed as: CARYL ESTES AND VARIOUS AGENTS | 15907 ASH WAY LYNNWOOD, WA 98087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $5 | $67 | 0.62% |
| RANDALL LEE WALLACE3 | 3320 GRAVELY BEACH LOOP NW OLYMPIA, WA 98502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.30% |
| ANTONIO JOSE ANGELES3 Filed as: ANTONIO MICHAEL JAIME | 24345 252ND AVENUE SE MAPLE VALLEY, WA 98038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $1 | $30 | 0.28% |
| BERG BENEFITS, INC.3 | 1804 WEST UNION AVENUE, SUITE 201 TACOMA, WA 98405 | SUN LIFE ASSURANCE COMPANY OF CANADA | $397 | $0 | $397 | 6.96% |
| BERG BENEFITS, INC.3 | PO BOX 66029 TACOMA, WA 98464 | SUN LIFE ASSURANCE COMPANY OF CANADA | $276 | $0 | $276 | 4.84% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 167 | $16K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 8 | $11K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 167 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.