| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASCADE INSURANCE CENTER LLC3 Filed as: CASCADE EAST DBA JOHNSON BEN. PLAN | UNKOWN BEND, OR 97703 | PACIFICSOURCE HEALTH PLANS | $18K | $0 | $18K | 2.19% |
| CENTURY INSURANCE GROUP LLC3 Filed as: CENTURY INSURANCE GROUP, LLC | UNKNOWN BEND, OR 97703 | PACIFICSOURCE HEALTH PLANS | $12K | $0 | $12K | 1.53% |
| CASCADE INSURANCE CENTER LLC3 Filed as: CASCADE SUMMIT INSURANCE OF OR | UNKNOWN BEND, OR 97703 | PACIFICSOURCE HEALTH PLANS | $3K | $0 | $3K | 0.42% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE DBA USI INS. | UNKNOWN BEND, OR 97703 | PACIFICSOURCE HEALTH PLANS | $3K | $0 | $3K | 0.39% |
| NOBLE INSURANCE CORP.3 | UNKNOWN BEND, OR 97703 | PACIFICSOURCE HEALTH PLANS | $3K | $0 | $3K | 0.38% |
| CASCADE INSURANCE CENTER LLC3 Filed as: CASCADE SUMMIT INS. OF OREGON | UNKNOWN BEND, OR 97703 | PACIFICSOURCE HEALTH PLANS | $971 | $0 | $971 | 0.12% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: SEAL ROCK FIN. AND VARIOUS AGENTS | UNKNOWN BEND, OR 97703 | PACIFICSOURCE HEALTH PLANS | $666 | $0 | $666 | 0.08% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 179 | $808K |
| Dental | PACIFICSOURCE HEALTH PLANS | 179 | $808K |
| Vision | PACIFICSOURCE HEALTH PLANS | 179 | $808K |
| Prescription drug | PACIFICSOURCE HEALTH PLANS | 179 | $808K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.