| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOB HART INSURANCE INC3 Filed as: BOB HART INSURANCE, INC. | PO BOX 1240 GRANTS PASS, OR 97528 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $780 | — | $780 | 0.05% |
| BOB HART INSURANCE INC3 Filed as: BOB HART INSURANCE, INC. | 321 SE I STREET GRANTS PASS, OR 97526 | LIFEMAP ASSURANCE COMPANY | $2K | — | $2K | 8.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFEMAP ASSURANCE COMPANY | $390 | — | $390 | 1.82% |
| BOB HART INSURANCE INC3 Filed as: BOB HART INSURANCE, INC. | PO BOX 1240 GRANTS PASS, OR 97528 | WILLAMETTE DENTAL GROUP | $481 | — | $481 | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | WILLAMETTE DENTAL GROUP | $270 | — | $270 | 1.26% |
| BOB HART INSURANCE INC3 Filed as: BOB HART INSURANCE, INC. | PO BOX 1240 GRANTS PASS, OR 97528 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $443 | $2K | 11.79% |
| BOB HART INSURANCE INC3 Filed as: BOB HART INSURANCE, INC. | PO BOX 1240 GRANTS PASS, OR 97528 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $925 | $3K | 15.36% |
| BOB HART INSURANCE INC3 Filed as: BOB HART INSURANCE, INC. | PO BOX 1240 GRANTS PASS, OR 97528 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $270 | $1K | 12.13% |
| BOB HART INSURANCE INC3 Filed as: BOB HART INSURANCE, INC. | PO BOX 1240 GRANTS PASS, OR 97528 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $154 | $1K | 12.52% |
| BOB HART INSURANCE INC3 Filed as: BOB HART INSURANCE, INC. | PO BOX 1240 GRANTS PASS, OR 97528 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $352 | $184 | $536 | 11.19% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 305 | $1.5M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 305 | $1.5M |
| Vision | LIFEMAP ASSURANCE COMPANY | 133 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $21K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 305 | $1.5M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
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.