| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERALD INGRAHAM3 | SIX SOUTH 2ND STREET, SUITE 718 YAKIMA, WA 98901 | AFLAC | $4K | $482 | $4K | 7.74% |
| BRIAN W. BALMES3 Filed as: BRIAN BALMES | 302 SOUTH 1ST STREET YAKIMA, WA 98901 | AFLAC | $1K | — | $1K | 2.50% |
| SEAN F HARRINGTON3 Filed as: SEAN HARRINGTON | 11151 MIERAS ROAD YAKIMA, WA 98901 | AFLAC | $648 | — | $648 | 1.20% |
| MICHAEL A MAYER3 Filed as: MICHAEL MAYER | PO BOX 5825 PASCO, WA 99302 | AFLAC | $336 | $80 | $416 | 0.77% |
| MJ INSURANCE3 Filed as: DARAN WYCKOFF AND VARIOUS AGENTS | 505 NORTH ARGONNE, BUILDING C SPOKANE VALLEY, WA 99212 | AFLAC | $97 | $80 | $177 | 0.33% |
| DIXIE D SIMON3 Filed as: DIXIE SIMON | 509 NORTH SHAMROCK ROAD SPOKANE VALLEY, WA 99037 | AFLAC | $175 | — | $175 | 0.32% |
| CRIS WILMARTH3 | 209 NORTH 31ST AVENUE YAKIMA, WA 98902 | AFLAC | $175 | — | $175 | 0.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 12100 NE 195TH STREET, SUITE 200 BOTHELL, WA 98011 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.05% |
| EMSPRING CORPORATION3 | 3911 CASTLEVALE ROAD, SUITE 209 YAKIMA, WA 98902 | SUN LIFE ASSURANCE COMPANY OF CANADA | $936 | — | $936 | 4.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $167 | $167 | 0.88% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 160 | $19K |
| Other(3 contracts, 3 carriers) | AFLAC | 196 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.