| 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 | $40K | $0 | $40K | 2.25% |
| STRATTON INSURANCE SERVICES3 | 225 SW 5TH PENDLETON, OR 97501 | PACIFICSOURCE HEALTH PLANS | $18K | $0 | $18K | 0.98% |
| CLARK & CLARK INS. AND VAR AGENTS3 | 1950 CHARUCH STREET BAKER CITY, OR 97814 | PACIFICSOURCE HEALTH PLANS | $9K | $0 | $9K | 0.51% |
| HOWARD INSURANCE INC3 Filed as: HOWARD INSURANCE INC. | 598 ANDERSON AVENUE COOS BAY, OR 97420 | PACIFICSOURCE HEALTH PLANS | $8K | $0 | $8K | 0.44% |
| JOHNSON BENEFIT GROUP, INC.3 | 21550 WILLAMETTE DRIVE WEST LINN, OR 97415 | PACIFICSOURCE HEALTH PLANS | $7K | $0 | $7K | 0.41% |
| WHEATLAND FINANCIAL SERVICES, LLC3 Filed as: WHEATLAND FINANCIAL SERVICES LLC | 815 SW COURT AVENUE PENDLETON, OR 97801 | PACIFICSOURCE HEALTH PLANS | $3K | $0 | $3K | 0.18% |
| CASCADE INSURANCE CENTER LLC3 Filed as: CASCADE SUMMIT INS. OF OREGON, INC. | 598 NW HILL ROAD BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $3K | $0 | $3K | 0.14% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 287 | $1.8M |
| Dental | PACIFICSOURCE HEALTH PLANS | 287 | $1.8M |
| Vision | PACIFICSOURCE HEALTH PLANS | 287 | $1.8M |
| Prescription drug | PACIFICSOURCE HEALTH PLANS | 287 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.