| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASCADE EAST BENEFITS, INC.3 | 777 NE WALL STREET SUITE 100 BEND, OR 97703 | PACIFICSOURCE HEALTH PLANS | $32K | $0 | $32K | 2.41% |
| CASCADE INSURANCE CENTER LLC3 Filed as: CASCADE SUMMIT INS OF OREGON, INC. | 598 NW HILL ROAD BEND, OR 97703 | PACIFICSOURCE HEALTH PLANS | $14K | $0 | $14K | 1.04% |
| CENTURY INSURANCE GROUP LLC3 Filed as: CENTURY INSURANCE GROUP, LLC | 572 SW BLUFF DRIVE BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $13K | $0 | $13K | 0.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, INC. | 550 NW FRANKLIN AVENUE SUITE 268 BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $6K | $0 | $6K | 0.46% |
| BOB HART INSURANCE INC3 Filed as: BOB HART INSURANCE | 1123 ROYAL AVENUE MEDFORD, OR 97504 | PACIFICSOURCE HEALTH PLANS | $2K | $0 | $2K | 0.14% |
| JACKSON INSURANCE AND FIN. SERVICES3 Filed as: JACKSON INS. AND FIN. SERVICES | 17 NW HAWTHORNE AVENUE SUITE 1 BEND, OR 97703 | PACIFICSOURCE HEALTH PLANS | $1K | $0 | $1K | 0.10% |
| WHEATLAND FINANCIAL SERVICES, LLC3 Filed as: WHEATLAND FIN. SERVICES, LLC | 815 SW COURT AVENUE PENDLETON, OR 97801 | PACIFICSOURCE HEALTH PLANS | $650 | $0 | $650 | 0.05% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 173 | $1.3M |
| Dental | PACIFICSOURCE HEALTH PLANS | 173 | $1.3M |
| Vision | PACIFICSOURCE HEALTH PLANS | 173 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.