| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN, INC. | PO BOX 66029 TACOMA, WA 98464 | SYMETRA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.09% |
| BERG BENEFITS, INC.3 | 1804 WEST UNION AVENUE SUITE 201 TACOMA, WA 98405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 4.15% |
| MARK BUNDA3 | 2911 STIRLING COURT SE OLYMPIA, WA 98501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.99% |
| NORTHWEST BENEFIT ADVISORS, INC.3 | 8151 164TH AVENUE NE SUITE 411 REDMOND, WA 98052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.73% |
| JEFF CLARK3 Filed as: JEFF CLACK AND OTHER AGENTS | 4425 HARBOR COUNTRY DRIVE APARTMENT L85 GIG HARBOR, WA 98335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $897 | $0 | $897 | 1.00% |
| MONARCH BENEFITS CONSULTING LLC3 Filed as: MONARCH BENEFITS CONSULTING, LLC | 1801 WEST BAY DRIVE NW, SUITE 207 OLYMPIA, WA 98502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $626 | $0 | $626 | 0.69% |
| KYONG H. GOINS3 | 2931 1ST AVENUE, SUITE A SEATTLE, WA 98134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $406 | $0 | $406 | 0.45% |
| BROOKE BACHESTA3 | 5902 22ND AVENUE NW APARTMENT 3E SEATTLE, WA 98107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $310 | $0 | $310 | 0.34% |
| BERG BENEFITS, INC.3 | 1804 WEST UNION AVENUE SUITE 201 TACOMA, WA 98405 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $1K | $0 | $1K | 4.27% |
| LARRY D. EWING3 | 170 SE MCTURNAL ROAD SHELTON, WA 98584 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $188 | $0 | $188 | 7.38% |
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 | 579 | 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) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 78 | $31K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 501 | $92K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 579 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.