| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALDRICH BENEFITS LP3 | 680 HAWTHORNE AVE SE STE 140 SALEM, OR 97301 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $8K | $8K | 1.61% |
| ALDRICH BENEFITS LP3 | 680 HAWTHRONE AVE SE STE 140 SALEM, OR 97301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $3K | $9K | 3.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $346K |
| PACIFIC SOURCE ADMINISTRATORS, INC. EIN 30-0140934 NONE | Other fees Service code 99 | — | $6K |
| ALDRICH BENEFITS LP EIN 20-0407135 BROKER | Other commissions Service code 55 | — | $0 |
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 | 472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 600 | $318K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 472 | $297K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 472 | $297K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 395 | $504K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 472 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.