| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASCADE EAST BENEFITS, INC.3 | 777 NW WALL STREET, SUITE 100 BEND, OR 97703 | PACIFICSOURCE HEALTH PLANS | $5K | — | $5K | 2.48% |
| CENTURY INSURANCE GROUP LLC3 Filed as: CENTURY INSURANCE GROUP, LLC | 572 SW BLUFF DRIVE, SUITE 100 BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $3K | — | $3K | 1.65% |
| BOB HART INSURANCE INC3 Filed as: BOB HART INSURANCE, INC. | 321 I STREET GRANTS PASS, OR 97526 | PACIFICSOURCE HEALTH PLANS | $820 | — | $820 | 0.42% |
| CASCADE INSURANCE CENTER LLC3 Filed as: CASCADE SUMMIT INS. OF OREGON, INC. | 4500 KRUSE WAY WEST LINN, OR 97035 | PACIFICSOURCE HEALTH PLANS | $419 | — | $419 | 0.21% |
| NOBLE INSURANCE CORP.3 | PO BOX 5068 BEND, OR 97708 | PACIFICSOURCE HEALTH PLANS | $362 | — | $362 | 0.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OREGON, INC. | 550 NW FRANKLIN AVENUE, SUITE 268 BEND, OR 97703 | PACIFICSOURCE HEALTH PLANS | $258 | — | $258 | 0.13% |
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 | 47 | 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) | 47 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 55 | $196K |
| Dental | PACIFICSOURCE HEALTH PLANS | 55 | $196K |
| Vision | PACIFICSOURCE HEALTH PLANS | 55 | $196K |
| Prescription drug | PACIFICSOURCE HEALTH PLANS | 55 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55 | — |
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.