| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFF JONES3 | 720 COUNTRY CLUB ROAD EUGENE, OR 97401 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $20K | $0 | $20K | 3.00% |
| J.L. JONES AND ASSOCIATES3 | 720 COUNTRY CLUB ROAD EUGENE, OR 97401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 10.45% |
| JEROMY E. CILLEY3 Filed as: JEROMY E. CILLEY AND OTHER AGENTS | 1115 PEARL STREET EUGENE, OR 97401 | AFLAC | $6K | $67 | $6K | 5.22% |
| MARCI MARIE OTIS3 | 200 JULINA LANE ROSEBURG, OR 97471 | AFLAC | $4K | $78 | $4K | 3.78% |
| CAROL A. KENYON3 | 1645 CLEVELAND HILL ROAD ROSEBURG, OR 97471 | AFLAC | $4K | $104 | $4K | 3.33% |
| REUEL S DAVIS3 Filed as: REUEL S. DAVIS | 9460 WEST FAIRVIEW AVENUE SUITE 140 BOISE, ID 83704 | AFLAC | $1K | $0 | $1K | 1.07% |
| RALPH DOW3 Filed as: RALPH W. DOW | 2552 SW 35TH COURT REDMOND, OR 97756 | AFLAC | $378 | $0 | $378 | 0.35% |
| GARY LOWE3 | 13106 NANTUCKET PLACE BAKERSFIELD, CA 93314 | AFLAC | $265 | $0 | $265 | 0.24% |
| BLAINE E. CLEMONS3 | 6790 EAST KATHLEEN CIRCLE PALMER, AK 99645 | AFLAC | $247 | $0 | $247 | 0.23% |
| JEFF JONES3 | 720 COUNTRY CLUB ROAD EUGENE, OR 97401 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.59% |
| SVEND NILSSON3 | 1220 JACOBS DRIVE EUGENE, OR 97402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $0 | $103 | 2.79% |
| THOMAS TAYLOR3 Filed as: THOMAS MCKY TAYLOR | PO BOX 70334 SPRINGFIELD, OR 97475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.27% |
| 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 | 0.19% |
| ZINA OSTER3 | 3153 FOREST DRIVE CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.16% |
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 | 1,186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 1,628 | $674K |
| Vision | VISION SERVICE PLAN | 923 | $100K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,711 | $174K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,711 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,711 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.