| 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 | $12K | $0 | $12K | 10.90% |
| BERG BENEFITS, INC.3 | 1804 WEST UNION AVENUE, SUITE 201 TACOMA, WA 98405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.94% |
| MARK BUNDA3 | 2911 STIRLING COURT SE OLYMPIA, WA 98501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| SUSAN L. JOHNSON AND OTHER AGENTS3 | 2112 NORTH FIFE STREET, APARTMENT 7 TACOMA, WA 98406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.45% |
| NORTHWEST BENEFIT ADVISORS, INC.3 | 8151 164TH AVENUE NE, SUITE 411 REDMOND, WA 98052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.39% |
| KYONG H. GOINS3 | 2931 1ST AVENUES, SUITE A SEATTLE, WA 98134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $393 | $0 | $393 | 0.45% |
| BROOKE BACHESTA3 | 5902 22ND AVENUE NW, APARTMENT 3E SEATTLE, WA 98107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $297 | $0 | $297 | 0.34% |
| MARY L. JOCHUM3 | 3051 165TH PLACE NE BELLEVUE, WA 98008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $284 | $0 | $284 | 0.32% |
| BERG BENEFITS, INC.3 | 1804 WEST UNION AVENUE, SUITE 201 TACOMA, WA 98405 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $2K | $0 | $2K | 5.00% |
| BERG BENEFITS, INC.3 Filed as: BERG ANDONIAN, INC. | PO BOX 66029 TACOMA, WA 98464 | FIRST CHOICE HEALTH NETWORK | $1K | $0 | $1K | 8.43% |
| LARRY D. EWING3 | 170 SE MCTURNAL ROAD SHELTON, WA 98584 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $191 | $0 | $191 | 6.30% |
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. | 94 | $44K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 579 | $106K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 579 | $214K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.