| 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 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $23K | $6K | $29K | 2.47% |
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS, INC. | 2111 NE HALSEY STREET PORTLAND, OR 97232 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.39% |
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS, INC. | 2111 NE HALSEY STREET PORTLAND, OR 97232 | WILLAMETTE DENTAL INSURANCE, INC. | $2K | $0 | $2K | 5.38% |
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS, INC. | 2111 NE HALSEY STREET PORTLAND, OR 97232 | VISION SERVICE PLAN | $540 | $0 | $540 | 2.72% |
| HEARTSEASE LLC3 Filed as: HEARTSEASE, LLC | 1521 NE 63RD AVENUE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $431 | $161 | $592 | 5.18% |
| KAREN CLAY KUNKLER3 | 1709 NW 45TH AVENUE CAMAS, WA 98607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | $15 | $182 | 1.59% |
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS, INC. | PO BOX 13090 PORTLAND, OR 97213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $0 | $174 | 1.52% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $35 | $142 | 1.24% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $16 | $132 | 1.16% |
| CHRISTINE LYNN MORGESTER3 | 14913 SOUTH SUNTERRA LOOP OREGON CITY, OR 97045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $0 | $63 | 0.55% |
| ZINA OSTER3 | 3153 FOREST DRIVE CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.06% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 189 | $1.2M |
| Dental(3 contracts, 3 carriers) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 193 | $1.3M |
| Vision | VISION SERVICE PLAN | 112 | $20K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $123K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 11 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $112K |
| Prescription drug(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 189 | $1.2M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.