| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERG BENEFITS, INC.3 | PO BOX 66029 TACOMA, WA 98464 | SYMETRA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
| BERG BENEFITS, INC.3 | 1804 WEST UNION AVENUE, SUITE 201 TACOMA, WA 98405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.54% |
| SUSAN MAE DANIEL3 Filed as: SUSAN L. JOHNSON | 10255 EAST VIA LINDA 1105 SCOTTSDALE, AZ 85258 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.04% |
| MARK BUNDA3 | 2911 STIRLING COURT SE OLYMPIA, WA 98501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| RICHARD HAWKINS3 Filed as: RICHARD A. HAWKINS | PO BOX 2414 SHELTON, WA 98584 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.48% |
| NORTHWEST BENEFIT ADVISORS, INC.3 | 8151 164TH AVENUE NE SUITE 411 REDMOND, WA 98052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.24% |
| CLACK ATTACK AGENCY, LLC3 | 949 MARKET STREET SUITE 241 TACOMA, WA 98402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $544 | $0 | $544 | 0.51% |
| KYONG H. GOINS3 | 2931 1ST AVENUES, SUITE A SEATTLE, WA 98134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $527 | $0 | $527 | 0.49% |
| BERG BENEFITS, INC.3 | 1804 WEST UNION AVENUE, SUITE 201 TACOMA, WA 98405 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $2K | — | $2K | 5.47% |
| BERG BENEFITS, INC.3 | PO BOX 66029 TACOMA, WA 98464 | FIRST CHOICE HEALTH NETWORK | $926 | $0 | $926 | 5.40% |
| DARLA G. KLOVSKI4 | 2011 EAST ELOIKA LAKE ROAD DEER PARK, WA 99006 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $210 | — | $210 | 9.38% |
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. | 93 | $45K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 534 | $113K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 579 | $240K |
| 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.