| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE SERVICES, LLC | PO BOX 2528 TRICITIES, WA 99302 | HARTFORD LIFE AND ACCIDENT | $95K | $11K | $105K | 11.05% |
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE SERVICES, LLC | 125 N 50TH AVE YAKIMA, WA 989082862 | LIFEWISE ASSURANCE COMPANY | $39K | — | $39K | 4.13% |
| CONOVER INSURANCE SERVICES LLC3 | 1804 WEST LEWIS PO BOX 2528 PASCO, WA 99301 | FOUR EVER LIFE INS CO | $8K | $4K | $12K | 12.00% |
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE SERVICES, LLC | PO BOX 10088 YAKIMA, WA 98909 | AMERITAS LIFE INSURANCE CORP | $55K | — | $55K | — |
| CONOVER INSURANCE SERVICES LLC3 | PO BOX 10088 YAKIMA, WA 98909 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA | $132K | $3K | $135K | — |
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 | 1,276 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | FOUR EVER LIFE INS CO | 1,278 | $134K |
| Dental(2 contracts, 2 carriers) | HMSA | 879 | $33K |
| Vision(2 contracts, 2 carriers) | HMSA | 879 | $33K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 10 | $988K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $955K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $955K |
| Prescription drug | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA | 1,278 | $0 |
| Stop-loss / reinsurancereinsurance | LIFEWISE ASSURANCE COMPANY | 669 | $945K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,278 | — |
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.