| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUBAGENTS3 | — | PACIFICSOURCE HEALTH PLANS | $99K | $0 | $99K | 3.51% |
| CASCADE EAST BENEFITS, INC.3 | 550 NW FRANKLIN AVENUE SUITE 378 BEND, OR 97703 | PACIFICSOURCE HEALTH PLANS | — | $0 | $0 | 0.00% |
| UNKNOWN3 | UNKNOWN BEND, OR 97702 | OREGON DENTAL SERVICE | $8K | $0 | $8K | 6.25% |
| CASCADE EAST BENEFITS, INC.3 | 777 NW WALL STREET, SUITE 100 BEND, OR 97701 | OREGON DENTAL SERVICE | $2K | $0 | $2K | 1.16% |
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 | 442 | 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) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 1,077 | $2.8M |
| Dental(2 contracts, 2 carriers) | PACIFICSOURCE HEALTH PLANS | 1,077 | $2.9M |
| Vision | PACIFICSOURCE HEALTH PLANS | 1,077 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,077 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.