| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERALD INGRAHAM3 | 6 SOUTH 2ND STREET SUITE 718 YAKIMA, WA 98901 | AFLAC | $10K | $414 | $10K | 11.99% |
| MICHAEL PETTERSON3 | PO BOX 3 MOXEE, WA 98936 | AFLAC | $2K | $0 | $2K | 1.95% |
| BRIAN W. BALMES3 Filed as: BRIAN W BALMES | 302 SOUTH 1ST STREET YAKIMA, WA 98901 | AFLAC | $2K | $56 | $2K | 1.91% |
| SEAN F HARRINGTON3 | 11151 MIERAS ROAD YAKIMA, WA 98901 | AFLAC | $759 | $0 | $759 | 0.88% |
| MICHAEL A MAYER3 | PO BOX 5625 PASCO, WA 99302 | AFLAC | $569 | $15 | $584 | 0.68% |
| CLIFF HARRISON BARROWS3 Filed as: CLIFF BARROWS AND OTHER AGENTS | 5716 SOUTH FERRALL STREET SPOKANE, WA 99223 | AFLAC | $186 | $15 | $201 | 0.23% |
| DIXIE D SIMON3 | 509 NORTH SHAMROCK ROAD SPOKANE VALLEY, WA 99307 | AFLAC | $112 | $0 | $112 | 0.13% |
| BRIAN W. BALMES3 Filed as: BRIAN BALMES | 302 SOUTH 1ST STREET YAKIMA, WA 98901 | AFLAC | $100 | $0 | $100 | 0.12% |
| DIXIE D SIMON3 | 509 NORTH SHAMROCK ROAD SPOKANE VALLEY, WA 99037 | AFLAC | $94 | $3 | $97 | 0.11% |
| KRISTEN SUE PLAISANCE3 | 11315 EAST 12TH AVENUE SPOKANE VALLEY, WA 99206 | AFLAC | $76 | $0 | $76 | 0.09% |
| SEAN F HARRINGTON3 Filed as: SEAN HARRINGTON | 11151 MIERAS ROAD YAKIMA, WA 98901 | AFLAC | $47 | $0 | $47 | 0.05% |
| DIXIE D SIMON3 Filed as: DIXIE SIMON | 509 NORTH SHAMROCK ROAD SPOKANE VALLEY, WA 99037 | AFLAC | $12 | $0 | $12 | 0.01% |
| KRISTEN SUE PLAISANCE3 Filed as: KRISTEN PLAISANCE AND DARAN WYCKOFF | 11315 EAST 12TH AVENUE SPOKANE VALLEY, WA 99206 | AFLAC | $7 | $0 | $7 | 0.01% |
| MJ INSURANCE3 Filed as: CLIFF BARROWS AND VARIOUS AGENTS | 5716 SOUTH FERRALL STREET SPOKANE, WA 99223 | AFLAC | $6 | $0 | $6 | 0.01% |
| MICHAEL A MAYER3 Filed as: MICHAEL MAYER | PO BOX 5625 PASCO, WA 99302 | AFLAC | $5 | $0 | $5 | 0.01% |
| CLIFF HARRISON BARROWS3 | 5716 SOUTH FERRALL STREET SPOKANE, WA 99223 | AFLAC | $5 | $0 | $5 | 0.01% |
| KRISTEN SUE PLAISANCE3 Filed as: KRISTEN PLAISANCE | 11315 EAST 12TH AVENUE SPOKANE VALLEY, WA 99206 | AFLAC | $4 | $0 | $4 | 0.00% |
| 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 | $3K | $371 | $3K | 16.94% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $19K |
| Other(3 contracts, 3 carriers) | AFLAC | 176 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.