| 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 | $36K | $0 | $36K | 2.53% |
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS, INC. | 2111 NE HALSEY STREET PORTLAND, OR 97232 | LIFEMAP ASSURANCE COMPANY | $8K | $0 | $8K | 7.60% |
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS, INC. | 2111 NE HALSEY STREET PORTLAND, OR 97232 | WILLAMETTE DENTAL INSURANCE, INC. | $3K | $0 | $3K | 5.00% |
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS, INC. | 2111 NE HALSEY STREET PORTLAND, OR 97232 | VISION SERVICE PLAN | $2K | $0 | $2K | 7.43% |
| HEARTSEASE LLC3 Filed as: HEARTSEASE, LLC | 1521 NE 63RD AVENUE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $598 | $161 | $759 | 6.88% |
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS, INC. | 2111 NE HALSEY STREET PORTLAND, OR 97232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | $0 | $353 | 3.20% |
| KAREN CLAY KUNKLER3 | 1709 NW 45TH AVENUE CAMAS, WA 98607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | $59 | $345 | 3.13% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $68 | $217 | 1.97% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $32 | $191 | 1.73% |
| CHRISTINE LYNN MORGESTER3 Filed as: CHRISTINE LYNNE MORGESTER | 14913 SOUTH SUNTERRA LOOP OREGON CITY, OR 97045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.67% |
| ZINA OSTER3 Filed as: ZINA OSTER AND OTHER AGENT | 3153 FOREST DRIVE CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.07% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 299 | $1.5M |
| Dental(3 contracts, 3 carriers) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 299 | $1.6M |
| Vision | VISION SERVICE PLAN | 198 | $23K |
| Life insurance(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 271 | $113K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 13 | $11K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 271 | $102K |
| Prescription drug(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 299 | $1.5M |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 271 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.