| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COORDINATED BENEFITS LLC3 Filed as: COORDINATED BENEFITS DBA BASIN PACI | 6917 W GRANDRIGE BLD, STE C KENNEWICK, WA 99336 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $53K | — | $53K | 14.46% |
| COORDINATED BENEFITS LLC3 Filed as: COORDINATED BENEFITS DBA BASIN PACI | 6917 W GRANDRIGE BLD, STE C KENNEWICK, WA 99336 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 14.46% |
| COORDINATED BENEFITS LLC3 Filed as: COORDINATED BENEFITS DBA BASIN PACI | 6917 W GRANDRIGE BLD, STE C KENNEWICK, WA 99336 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 14.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHURCHILL MANAGEMENT GROUP NONE | Direct payment from the plan; Investment advisory (plan); Investment management Service code 27 | 5900 WILSHIRE BOULEVARD, SUITE 400 LOS ANGELES, CA 900365006 | $52K |
| WILLIAM C EARHART COMPANY, INC. EIN 93-0509592 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator; Participant communication; Recordkeeping fees; Claims processing; Copying and duplicating Service code 10 | 12029 NE GLENN WIDING DR PORTLAND, OR 97220 | $44K |
| SCHOEDEL & SCHOEDEL, CPAS, PLLC EIN 91-0614823 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 422 W RIVERSIDE, SUITE 1420 SPOKANE, WA 99201 | $14K |
| BASIN PACIFIC INSURANCE NONE | Direct payment from the plan; Consulting (general); Insurance agents and brokers; Insurance brokerage commissions and fees; Consulting fees Service code 16 | 6816 W RIO GRANDE AVE, C120 KENNEWICK, WA 99336 | $6K |
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 | 988 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 964 | $103K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 964 | $155K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 964 | $366K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 964 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
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.