| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORKERY AND JONES BENEFITS, INC.3 Filed as: CORKERY & JONES BENEFITS INC | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $61 | $2K | 0.37% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD SUITE 800 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $18K | $0 | $18K | 8.91% |
| CORKERY AND JONES BENEFITS, INC.3 Filed as: CORKERY AND JONES BENEFITS INC. | 818 WEST RIVERSIDE SUITE 100 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 4.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE SUITE 800 SPOKANE, WA 99201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $596 | $307 | $903 | 3.06% |
| CORKERY AND JONES BENEFITS, INC.3 Filed as: CORKERY & JONES BENEFITS INC. | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $645 | $0 | $645 | 2.19% |
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 | 572 | 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) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,245 | $412K |
| Life insurance | STANDARD INSURANCE COMPANY | 572 | $204K |
| Long-term disability | STANDARD INSURANCE COMPANY | 572 | $204K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 572 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,245 | — |
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."
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.