| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS, INC. | 2111 NE HALSEY STREET PORTLAND, OR 97232 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $41K | $45K | 3.29% |
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS, INC. | 2111 NE HALSEY STREET PORTLAND, OR 97232 | WILLAMETTE DENTAL INSURANCE, INC. | $1K | $0 | $1K | 5.00% |
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS, INC. | 2111 NE HALSEY STREET PORTLAND, OR 97232 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.58% |
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS, INC. | 2111 NE HALSEY STREET PORTLAND, OR 97232 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.41% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVENUE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $881 | $1K | $2K | 12.96% |
| KAREN CLAY KUNKLER3 | 1709 NW 45TH AVENUE CAMA, WA 98607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $593 | $72 | $665 | 4.39% |
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS, INC. | PO BOX 13090 PORTLAND, OR 97213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $403 | $0 | $403 | 2.66% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | $182 | $397 | 2.62% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | $91 | $307 | 2.03% |
| CHRISTINE LYNN MORGESTER3 | 988 SW 26TH STREET TROUTDALE, OR 97060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.11% |
| ZINA OSTER3 | 3153 FOREST DRIVE CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.08% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.4M |
| Vision | VISION SERVICE PLAN | 135 | $24K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $41K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 13 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $26K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.4M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.