| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 22.12% |
| ADAM J. WESTFALL3 | 700 NORTH HAYDEN ISLAND DRIVE SUITE 200 PORTLAND, OR 97217 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 12.26% |
| MELANIE JENNINGS3 Filed as: MELANIE JENNINGS AND OTHER AGENTS | 2101 263RD LANE SE SAMMAMISH, WA 98075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 9.30% |
| DEREK SOMMERS3 Filed as: DEREK W. SOMMERS | 518 NORTH 39TH PLACE RIDGEFIELD, WA 98642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.32% |
| NATE JOHNSON3 | 11328 NE 51ST CIRCLE, APARTMENT 65 VANCOUVER, WA 98682 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.66% |
| THOMAS CHAMBERS3 | 3945 SW 96TH AVENUE PORTLAND, OR 97225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.63% |
| DAVID J MCCLELLAN3 Filed as: DAVID HERRERA | 4625 SOUTH POLARIS AVENUE SUITE 212 LAS VEGAS, NV 89103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.76% |
| ADAM J. WESTFALL3 | 2713 SW WILLOW PARKWAY GRESHAM, OR 97080 | AFLAC | $6K | $0 | $6K | 16.22% |
| CASEY DALE HOBSON3 Filed as: CASEY D. HOBSON AND OTHER AGENTS | 13320 WEST REDWICK DRIVE BOISE, ID 83713 | AFLAC | $4K | $0 | $4K | 10.42% |
| KEVIN C HALLAM3 Filed as: KEVIN C. HALLAM | 5303 SOUTH BATES ROAD SPOKANE, WA 99206 | AFLAC | $2K | $0 | $2K | 4.40% |
| DAVID J MCCLELLAN3 Filed as: DAVID HERRERA | 3728 SHADOW TREE STREET NORTH LAS VEGAS, NV 89032 | AFLAC | $1K | $0 | $1K | 3.08% |
| THOMAS CHAMBERS3 | 490 24TH STREET NE SALEM, OR 97301 | AFLAC | $1K | $0 | $1K | 3.02% |
| NATE JOHNSON3 | 11328 NE 51ST CIRCLE, APARTMENT 65 VANCOUVER, WA 98682 | AFLAC | $726 | $0 | $726 | 1.96% |
| DEREK SOMMERS3 | 518 NORTH 39TH PLACE RIDGEFIELD, WA 98642 | AFLAC | $679 | $0 | $679 | 1.83% |
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 | 394 | 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) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 617 | $2.9M |
| Vision | VISION SERVICE PLAN | 33 | $5K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 122 | $57K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 617 | $2.9M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 122 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.