| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALDRICH BENEFITS LP3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.22% |
| PROPEL INSURANCE3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $956 | — | $956 | 20.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OREGON, INC. | 222 SW COLUMBIA ST SUITE 600 PORTLAND, OR 97201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $478 | — | $478 | 10.00% |
| ALDRICH BENEFITS LP3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $120 | — | $120 | 10.00% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 340 | $2.3M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $1K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 2 | $1K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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 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.