| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASCADE EAST BENEFITS, INC.3 Filed as: CASCADE EAST BENEFITS INC | 777 NW WALL STREET SUITE 100 BEND, OR 97703 | PACIFICSOURCE | $92K | $0 | $92K | 2.56% |
| MATTHEW L DUNBAR3 | 121 GENNESSEE STREET MEDFORD, OR 97504 | PACIFICSOURCE | $33K | $0 | $33K | 0.91% |
| HOWARD INSURANCE INC3 | 598 ANDERSON AVENUE COOS BAY, OR 97420 | PACIFICSOURCE | $14K | $0 | $14K | 0.40% |
| THE PARTNERS GROUP3 Filed as: PARTNERS GROUP | 730 SW BONNETT WAY SUITE 3000 BEND, OR 97702 | PACIFICSOURCE | $13K | $0 | $13K | 0.36% |
| BOB HART INSURANCE INC3 Filed as: BOB HART INSURANCE | 1123 ROYAL AVENUE MEDFORD, OR 97504 | PACIFICSOURCE | $10K | $0 | $10K | 0.28% |
| NOBLE INSURANCE CORP.3 Filed as: NOBLE INSURANCE CORP | 591 SW MILL VIEW BEND, OR 97702 | PACIFICSOURCE | $7K | $0 | $7K | 0.20% |
| JACKSON INSURANCE AND FIN. SERVICES3 Filed as: JACKSON INSURANCE AND FIN SERV | 17 NW HAWTHORNE AVENUE SUITE 1 BEND, OR 97703 | PACIFICSOURCE | $6K | $0 | $6K | 0.18% |
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 | 569 | 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) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE | 569 | $3.6M |
| Dental | PACIFICSOURCE | 569 | $3.6M |
| Vision | PACIFICSOURCE | 569 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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."
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.