| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 20TH FLOOR NEW YORK, NY 10173 | PREMERA BLUE CROSS | $223K | $0 | $223K | 5.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 7.95% |
| MARY E NEAL3 | 3860 PINCHER ST BELLINGHAM, WA 98226 | AFLAC | $2K | $140 | $2K | 4.73% |
| YVETTE R LUNDY3 | 2609 KULSHAN ST BELLINGHAM, WA 98225 | AFLAC | $2K | $130 | $2K | 4.63% |
| LISA R PETERS3 | 1932 EAST COLLEGE WAY STE B MOUNT VERNON, WA 98273 | AFLAC | $531 | $54 | $585 | 1.48% |
| BARRY G WIEBE3 | 647 OLD SAMISH RD BELLINGHAM, WA 98229 | AFLAC | $344 | $54 | $398 | 1.00% |
| NANCY LAPHAM3 Filed as: NANCY L WALDNER | 14243 SE ALLEN RD BELLEVUE, WA 98006 | AFLAC | $381 | $0 | $381 | 0.96% |
| REIMER INS AGENCY INC3 | 2017 CONTINENTAL PLACE SUITE 2 MOUNT VERNON, WA 98273 | AFLAC | $354 | $0 | $354 | 0.89% |
| BARRY G WIEBE3 | 5479 SUNDOWN VIEW TER BELLINGHAM, WA 98226 | AFLAC | $252 | $0 | $252 | 0.64% |
| CLYDE R KNAPP3 | 749 SUNRISE DR LYNDEN, WA 98264 | AFLAC | $184 | $0 | $184 | 0.46% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA M HELDEROP | 234 5TH AVE KIRKLAND, WA 98033 | AFLAC | $170 | $0 | $170 | 0.43% |
| MICHAEL C WALKER3 Filed as: MICHAEL L ALLEY | 5200 MEADOWS RD STE 150 LAKE OSWEGO, OR 97035 | AFLAC | $112 | $0 | $112 | 0.28% |
| RAQUEL C WHEELER3 | 8080 HARBORVIEW RD TRLR F11 BLAINE, WA 98230 | AFLAC | $76 | $0 | $76 | 0.19% |
| PAUL B ROBEDEAU3 | 9523 BAY CT CARMEL, CA 93923 | AFLAC | $75 | $0 | $75 | 0.19% |
| ALANA M SIMLER3 | 1539 HILLSDALE RD BELLINGHAM, WA 98226 | AFLAC | $75 | $0 | $75 | 0.19% |
| MARYANN ENGLE3 | 106 JACOBS RD COUPEVILLE, WA 98239 | AFLAC | $66 | $0 | $66 | 0.17% |
| LARRY E VANDERPOL3 | 924 ROBINS PL EVERSON, WA 98247 | AFLAC | $55 | $0 | $55 | 0.14% |
| JENNIFER L BRIGHT3 | 4 HILTON WOODS CT COLUMBUS, GA 31906 | AFLAC | $53 | $0 | $53 | 0.13% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOHN HANNANT | 14830 NE 167TH ST WOODINVILLE, WA 98072 | AFLAC | $45 | $0 | $45 | 0.11% |
| BOBBY F STREI3 | 9 RAINBOW RDG IRVINE, CA 92603 | AFLAC | $37 | $0 | $37 | 0.09% |
| ANN R KELLY3 | 3258 SPYGLASS DR BELLINGHAM, WA 98226 | AFLAC | $36 | $0 | $36 | 0.09% |
| BRANDON PENKO3 Filed as: BRANDON C HOOBLER | 14220 INTERURBAN AVE STE 150 SEATTLE, WA 98168 | AFLAC | $30 | $0 | $30 | 0.08% |
| RUZICKAS INC3 | 7416 93RD AVENUE CT SW LAKEWOOD, WA 98498 | AFLAC | $24 | $0 | $24 | 0.06% |
| SCOTT W BLACKSHEAR3 | 3453 CATHRYN DR COLUMBUS, GA 31906 | AFLAC | $17 | $0 | $17 | 0.04% |
| BOBBY F STREI3 | 1631 N MAPLE STREET BURBANK, CA 91505 | AFLAC | $14 | $0 | $14 | 0.04% |
| MATTHEW MERCY3 | 2403 E HEMMI RD BELLINGHAM, WA 98226 | AFLAC | $9 | $0 | $9 | 0.02% |
| RANDY L. WALLACE3 Filed as: RANDY L WALLACE | 8040 161ST AVENUE NE #349 REDMOND, WA 98052 | AFLAC | $8 | $0 | $8 | 0.02% |
| BARRY E JONES3 | 6573 FORZA COURT LAS VEGAS, NV 89131 | AFLAC | $4 | $0 | $4 | 0.01% |
| CRAIG A HANSEN3 | 200 17TH AVE E APT 404 SEATTLE, WA 98112 | AFLAC | $3 | $0 | $3 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 12121 WILSHIRE BLVD LOS ANGELES, CA 90025 | AFLAC | $2 | $0 | $2 | 0.01% |
| HEATHER L TOMSON3 | 63607 NE 9TH STREET RENTON, WA 98056 | AFLAC | $1 | $0 | $1 | 0.00% |
| MITCHELL HECTOR MORALES3 Filed as: MITCHELL PUMPIAN | 225 NE BIRCH STREET ISSAQUAH, WA 98027 | AFLAC | $1 | $0 | $1 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID W STEWART | 1001 COOPER POINT RD SW #140-201 OLYMPIA, WA 98502 | AFLAC | $1 | $0 | $1 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 35.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $517 | $37 | $554 | 19.12% |
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 | 414 | 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) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 343 | $4.3M |
| Dental | PREMERA BLUE CROSS | 343 | $4.3M |
| Vision | PREMERA BLUE CROSS | 343 | $4.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $204K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $202K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $202K |
| Prescription drug | PREMERA BLUE CROSS | 343 | $4.3M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.