| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN EUGENE, OR 97440 | DELTA DENTAL PLAN OF OREGON | $19K | $0 | $19K | 3.00% |
| J.L. JONES AND ASSOCIATES3 | 720 COUNTRY CLUB ROAD EUGENE, OR 97401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 8.78% |
| MJ INSURANCE3 Filed as: DENNIS HANSEN AND VARIOUS AGENTS | 210 HAMPTON LANE IDAHO FALLS, ID 83404 | AFLAC | $8K | $6 | $8K | 6.18% |
| MARCI MARIE OTIS3 Filed as: MARCI OTIS | 200 JULINA LANE ROSEBURG, OR 97471 | AFLAC | $5K | $22 | $5K | 3.70% |
| CAROL A. KENYON3 Filed as: CAROL KENYON | 1641 CLEVELAND HILL ROAD ROSEBURG, OR 97471 | AFLAC | $4K | $16 | $4K | 3.11% |
| REUEL S DAVIS3 Filed as: REUEL DAVIS | 9460 WEST FAIRVIEW AVENUE SUITE 140 BOISE, ID 83704 | AFLAC | $3K | $0 | $3K | 2.59% |
| HILLARY EYRE3 | 9460 WEST FAIRVIEW AVENUE SUITE 125 BOISE, ID 83704 | AFLAC | $838 | $0 | $838 | 0.66% |
| JL & ASSOCIATES INC3 Filed as: JL & ASSOCIATES INC. | 8030 WEST EMERALD STREET SUITE 185 BOISE, ID 83704 | AFLAC | $546 | $0 | $546 | 0.43% |
| RALPH DOW3 | 2552 SW 35TH COURT REDMOND, OR 97756 | AFLAC | $440 | $0 | $440 | 0.35% |
| JEFF JONES3 | 720 COUNTRY CLUB ROAD EUGENE, OR 97401 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.67% |
| SVEND NILSSON3 | 1220 JACOBS DRIVE EUGENE, OR 97402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $0 | $134 | 1.96% |
| JOANNE GARWOOD3 | 178 PALM HARBOR DRIVE NORTH PORT, FL 34297 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.72% |
| DAMON RAY OGIER3 | 731 BROOKSIDE CIRCLE ROGUE RIVER, OR 97537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.23% |
| THOMAS M. TAYLOR3 | PO BOX 70334 SPRINGFIELD, OR 97478 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.22% |
| SHEILAH RUND3 | 7395 OFFENHAUSER DRIVE RENO, NV 89511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.20% |
| ZINA OSTER3 | 3153 FOREST DRIVE CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.15% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.10% |
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 | 1,154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF OREGON | 1,556 | $759K |
| Vision(2 contracts, 2 carriers) | AFLAC | 866 | $231K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,716 | $183K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,716 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,716 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.