| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN INC. | P.O. BOX 66029 TACOMA, WA 98464 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 6.28% |
| WHITFIELDS UNITED INSURANCE AGENCY3 | 2121 70TH AVENUE WEST SUITE B TACOMA, WA 98466 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.03% |
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN INC. | P.O. BOX 66029 TACOMA, WA 98464 | FIRST CHOICE HEALTH NETWORK | $1K | — | $1K | 5.65% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP ENTERPRISES | 216 SOUTH 200 WEST CEDAR CITY, UT 84720 | FIRST CHOICE HEALTH NETWORK | $813 | — | $813 | 3.96% |
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 | 801 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 756 | $92K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 801 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 801 | — |
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.