| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASCADE EAST BENEFITS, INC.3 | UNKNOWN BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $95K | $0 | $95K | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INS. & VARIOUS BROKERS | UNKNOWN BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $50K | $0 | $50K | 1.20% |
| WHEATLAND FINANCIAL SERVICES, LLC3 | UNKNOWN BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $15K | $0 | $15K | 0.36% |
| CASCADE INSURANCE CENTER LLC3 Filed as: CASCADE SUMMIT INSURANCE OF OR, INC | UNKNOWN BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $15K | $0 | $15K | 0.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST, LLC | UNKNOWN BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $14K | $0 | $14K | 0.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OREGON, LLC | UNKNOWN BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $13K | $0 | $13K | 0.30% |
| CENTURY INSURANCE GROUP LLC3 Filed as: CENTURY INSURANCE GROUP, LLC | UNKNOWN BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $12K | $0 | $12K | 0.28% |
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 | 519 | 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) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 714 | $4.1M |
| Dental | PACIFICSOURCE HEALTH PLANS | 714 | $4.1M |
| Vision | PACIFICSOURCE HEALTH PLANS | 714 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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.