| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASCADE EAST BENEFITS, INC.3 | 777 NW FRANKLIN AVENUE SUITE 100 BEND, PR 97703 | PACIFICSOURCE | $189K | $0 | $189K | 2.46% |
| JOHNSON BENEFIT GROUP, INC.3 Filed as: JOHNSON BENEFIT GRP AND VAR. AGENTS | 2155 WILLAMETTE DRIVE WEST LINN, OR 97415 | PACIFICSOURCE | $61K | $0 | $61K | 0.80% |
| CENTURY INSURANCE GROUP LLC3 | 572 SW BLUFF DRIVE BEND, OR 97702 | PACIFICSOURCE | $43K | $0 | $43K | 0.56% |
| BOB HART INSURANCE INC3 Filed as: BOB HART INSURANCE, INC. | 1123 ROYAL AVENUE MEDFORD, OR 97504 | PACIFICSOURCE | $27K | $0 | $27K | 0.35% |
| CASCADE INSURANCE CENTER LLC3 | 1201 WALL STREET SUITE 100 BEND, OR 97703 | PACIFICSOURCE | $21K | $0 | $21K | 0.28% |
| WHEATLAND FINANCIAL SERVICES, LLC3 Filed as: WHEATLAND FINANCIAL SERVICES LLC | 815 SW COURT AVENUE PENDLETON, OR 97801 | PACIFICSOURCE | $21K | $0 | $21K | 0.27% |
| WALDO INSURANCE, INC.3 Filed as: WALDO INUSRNCE, INC. | 218 MAIN STREET NYSSA, OR 97913 | PACIFICSOURCE | $19K | $0 | $19K | 0.25% |
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 | 1,155 | 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) | 1,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE | 1,155 | $7.7M |
| Dental | PACIFICSOURCE | 1,155 | $7.7M |
| Vision | PACIFICSOURCE | 1,155 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,155 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.