| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN INC. | 1804 WEST UNION AVENUE SUITE 201 TACOMA, WA 98405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 5.48% |
| NORTHWEST BENEFIT ADVISORS, INC.3 | 8151 164TH AVENUE NE SUITE 411 REDMOND, WA 98052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 3.08% |
| MARK BUNDA3 | 2911 STIRLING COURT SE OLYMPIA, WA 98501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.47% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | P.O. BOX 2940 TACOMA, WA 98401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.47% |
| MONARCH BENEFITS CONSULTING LLC3 | 1801 WEST BAY DRIVE SUITE 2017 OLYMPIA, WA 98502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.92% |
| MATTHEW G BERGER3 Filed as: MATTHEW A BUMALA | 700 NORTH HAYDEN ISLAND DRIVE SUITE 220 PORTLAND, OR 97217 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.62% |
| MARY L. JOCHUM3 Filed as: MARY L JOCHUM | 3051 165TH PLACE NE BELLEVUE, WA 98008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.60% |
| BROOKE BACHESTA3 | 5902 22ND AVENUE NW APARTMENT 3E SEATTLE, WA 98107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.52% |
| DEBORAH CARTER3 Filed as: DEBORAH A CARTER BOWHAY | 819 EAST ELIZABETH AVENUE WESTPORT, WA 98595 | CONTINENTAL AMERICAN INSURANCE COMPANY | $653 | — | $653 | 0.34% |
| DAVID J MCCLELLAN3 Filed as: DAVID W STEWART | 1001 COOPER POINT ROAD SW SUITE 140-201 OLYMPIA, WA 98502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $573 | — | $573 | 0.30% |
| RANDY L. WALLACE3 Filed as: RANDY WALLACE | 8151 164TH STREET AVENUE NW SUITE 411 REDMOND, WA 98052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $470 | — | $470 | 0.24% |
| BARBARA M DICKSON3 | 8151 164TH AVENUE NW SUITE 411 REDMOND, WA 98052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $279 | — | $279 | 0.14% |
| DEBORAH R. WALLACE3 Filed as: DEBORAH R WALLACE | 17701 108TH AVENUE SE SUITE 407 RENTON, WA 98055 | CONTINENTAL AMERICAN INSURANCE COMPANY | $217 | — | $217 | 0.11% |
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN INC. | P.O. BOX 66029 TACOMA, WA 98464 | SYMETRA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN INC. | P.O. BOX 66029 TACOMA, WA 98464 | WILLAMETTE DENTAL GROUP | $2K | — | $2K | 5.00% |
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN INC. | P.O. BOX 66029 TACOMA, WA 98464 | FIRST CHOICE HEALTH NETWORK | $2K | — | $2K | 9.61% |
| LARRY F FICKEL3 | 6563 MCDONALD AVENUE UNIT 209 GIG HARBOR, WA 98335 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $301 | — | $301 | 15.03% |
| LARRY D. EWING3 Filed as: LARRY D EWING | P.O. BOX 832 SHELTON, WA 98584 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $84 | — | $84 | 4.20% |
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 | 771 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL GROUP | 106 | $48K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 647 | $98K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 771 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.