| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59K | $10K | $68K | 13.66% |
| MJ INSURANCE3 Filed as: JEANETTE FRASEN AND VARIOUS AGENTS | 131 65TH PLACE SPRINGFIELD, OR 97478 | AFLAC | $10K | — | $10K | 9.30% |
| PEGGY L CAZIER3 Filed as: PEGGY L. CAZIER | PO BOX 1574 WALLA WALLA, WA 99362 | AFLAC | $2K | — | $2K | 1.69% |
| ELIZABETH STROE3 | 815 FERN AVENUE WALLA WALLA, WA 99362 | AFLAC | $2K | $52 | $2K | 1.67% |
| TRISHA JENNINGS3 | 500 LOCHER ROAD TOUCHET, WA 99360 | AFLAC | $1K | — | $1K | 0.97% |
| GUY JONES3 Filed as: GUY L. JONES | 6121 NE 154TH STREET KENMORE, WA 98028 | AFLAC | $806 | $77 | $883 | 0.81% |
| DOUGLAS ROBERTSON AND OTHER AGENTS3 | 1024 18TH AVENUE LEWISTON, ID 83501 | AFLAC | $573 | $287 | $860 | 0.79% |
| MARGARET A. VANDENBERG3 | PO BOX 76 TOUCHET, WA 99360 | AFLAC | $601 | — | $601 | 0.55% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $3K | — | $3K | 2.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 16.90% |
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 | 1,094 | 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) | 1,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 183 | $109K |
| Vision | VISION SERVICE PLAN | 1,016 | $94K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,094 | $501K |
| Short-term disability | AFLAC | 183 | $109K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,094 | $501K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,094 | $557K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,094 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.