| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | COMBINED INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| NONE | — | NEW YORK LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | NEW YORK LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | NEW YORK LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | NEW YORK LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | NEW YORK LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | NEW YORK LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | ALLSTATE | — | — | $0 | 0.00% |
| NONE | — | FIDELITY SECURITY LIFE | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MICHAEL SMALLEY EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $314K |
| BENJAMIN SYBESMA EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $235K |
| LUPITA RUIZ EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $180K |
| SUMAN JHA EIN 94-6459649 EMPLOYEE | Other fees Service code 99 | — | $112K |
| MICHELLE L SAIENNI EIN 94-6459649 EMPLOYEE | Other fees Service code 99 | — | $109K |
| DANIEL BEAMAN EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Trustee (directed) Service code 25 | — | $106K |
| KATHLEEN A KEEFE EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $101K |
| PETER J SANDS EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $100K |
| DEBORAH A JOHNSON EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $98K |
| JORDAN BARGAS EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $97K |
| JOE GONSALVES CONSULTING EIN 53-0668189 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $92K |
| SELLWOOD EIN 80-0827237 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $86K |
| KATHRYN A KNIGHT EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $83K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $80K |
| STEVEN HALL EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $76K |
| JOTI CHAND EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $73K |
| AMY LIVINGSTONE EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $73K |
| JANET L SANDS EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $70K |
| SHANA M SIMS EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $69K |
| SHALLY SINGH EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $67K |
| TERESA L CONDON EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $65K |
| TRUCKER HUSS EIN 94-3216063 NONE | Direct payment from the plan; Legal Service code 29 | — | $65K |
| CYNTHIA R OLIVER EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $65K |
| VERONICA M SAMPSON EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $64K |
| KEVIN SMALLEY EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $62K |
| GERROLD EATON EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $62K |
| JONI SMALLEY EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $61K |
| LORETTA J DOOLEY EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $60K |
| CONNIE QUARTIER EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $60K |
| MARIETTA TANGUILEG EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $53K |
| ERIKA MENDEZ EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $52K |
| PATRICK DAY EIN 94-6459649 TRUSTEE | Trustee (directed); Direct payment from the plan Service code 25 | — | $51K |
| ANGELA MURILLO EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $51K |
| MELISSA GRANDY EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $48K |
| MICHAEL JUAREZ EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $45K |
| WANDA HINES EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $41K |
| VANESSA PINEDA EIN 95-4314552 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $41K |
| LYNN NOLAND EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $33K |
| TONI GURULE EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $33K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $28K |
| MEREDITH KING EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $25K |
| N.W. PLAN SERVICES NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | P.O. BOX 1931 TACOMA, WA 98401 | $24K |
| STEVEN HERRERA EIN 94-6459649 TRUSTEE | Trustee (directed); Direct payment from the plan Service code 25 | — | $24K |
| MICHAEL HOUSTON EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $21K |
| US LEGAL EIN 68-0115281 NONE | Plan Administrator Service code 14 | — | $20K |
| JAMES BAUMILLER EIN 94-6459649 TRUSTEE | Trustee (directed); Direct payment from the plan Service code 25 | — | $17K |
| BETTY SMITH EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $16K |
| GAGANPREET HAYER EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $16K |
| FREDERICK FIELD EIN 94-6459649 EMPLOYEE | Other fees Service code 99 | — | $15K |
| CHRIS GALLYER EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $10K |
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 | 29,858 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13,931 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 43,789 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 20 | $7K |
| Life insurance(6 contracts, 3 carriers) | NEW YORK LIFE INSURANCE COMPANY | 23,026 | $5.7M |
| Other(6 contracts, 4 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 23,026 | $11.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,026 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.