| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 5100 SW MACADAM AVENUE, SUITE 440 PORTLAND, OR 97239 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $48K | $3K | $51K | 2.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $5K | $0 | $5K | 0.29% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN FINANCIAL SERVICES | 1350 CARLBACK AVENUE, SUITE 100 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $16K | 6.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.69% |
| HEFFERNAN INSURANCE BROKERS3 | 5100 SW MACADAM AVENUE, SUITE 440 PORTLAND, OR 97239 | VISION SERVICE PLAN | $380 | $0 | $380 | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $255 | $0 | $255 | 1.71% |
| HEARTSEASE LLC3 Filed as: HEARTSEASE, LLC | 1521 NE 63RD AVENUE HILLSBORO, OR 97124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 21.20% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 10.87% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $300 | $393 | $693 | 4.75% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $346 | $137 | $483 | 3.31% |
| CASSANDRA KRAMER3 | 1465 NORTH AUGUST DRIVE SARATOGA SPRINGS, UT 84045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 304 | $1.7M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $231K |
| Vision | VISION SERVICE PLAN | 199 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $231K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $231K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $231K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 304 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.