| 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 | $6K | $0 | $6K | 7.90% |
| ADAM J. WESTFALL3 | 700 NORTH HAYDEN ISLAND DRIVE SUITE 200 PORTLAND, OR 97217 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.11% |
| DAVID HERRERA AND OTHER AGENTS3 | 4625 SOUTH POLARIS AVENUE SUITE 212 LAS VEGAS, NV 89103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.28% |
| DEREK SOMMERS3 Filed as: DEREK W. SOMMERS | 518 NORTH 39TH PLACE RIDGEFIELD, WA 98642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| THOMAS CHAMBERS3 | 3945 SW 96TH AVENUE PORTLAND, OR 97225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.52% |
| NATE JOHNSON3 | 11328 NE 51ST CIRCLE APARTMENT 65 VANCOUVER, WA 98682 | CONTINENTAL AMERICAN INSURANCE COMPANY | $742 | $0 | $742 | 0.97% |
| BRYAN P. JORAMO3 | 1001 LOMBARD AVENUE EVERETT, WA 98201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $405 | $0 | $405 | 0.53% |
| TERESA BLAKE3 Filed as: TERESA A. BLAKE AND OTHER AGENTS | 3408 CANTURA BLUFF AVENUE NORTH LAS VEGAS, NV 89031 | AFLAC | $2K | $273 | $3K | 7.16% |
| ADAM J. WESTFALL3 Filed as: ADAM JAMES WESTFALL | 2713 SW WILLOW PARKWAY GRESHAM, OR 97080 | AFLAC | $1K | $194 | $1K | 3.59% |
| THOMAS CHAMBERS3 | 490 24TH STREET NE SALEM, OR 97301 | AFLAC | $1K | $70 | $1K | 3.06% |
| DAVID J MCCLELLAN3 Filed as: DAVID HERRERA | 3728 SHADOW TREE STREET NORTH LAS VEGAS, NV 89032 | AFLAC | $887 | $80 | $967 | 2.66% |
| KEVIN C HALLAM3 Filed as: KEVIN C. HALLAM | 2145 HYACINTH DRIVE BILLINGS, MT 59105 | AFLAC | $365 | $82 | $447 | 1.23% |
| NATE JOHNSON3 | 11328 NE 51ST CIRCLE APARTMENT 65 VANCOUVER, WA 98682 | AFLAC | $347 | $59 | $406 | 1.12% |
| KEVIN C HALLAM3 Filed as: KEVIN C. HALLAM | 5303 SOUTH BATES ROAD SPOKANE, WA 99206 | AFLAC | $251 | $71 | $322 | 0.88% |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 679 | $3.3M |
| Vision | VISION SERVICE PLAN | 284 | $47K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 124 | $76K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 679 | $3.3M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 124 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.