| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASCADE EAST BENEFITS, INC.3 | UNKNOWN BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $316K | $0 | $316K | 2.40% |
| INSGROUP INC3 Filed as: CENTURY INS. GROUP AND OTHER AGENTS | UNKNOWN BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $226K | $0 | $226K | 1.72% |
| WHEATLAND FINANCIAL SERVICES, LLC3 | UNKNOWN BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $31K | $0 | $31K | 0.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST, LLC | UNKNOWN BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $30K | $0 | $30K | 0.23% |
| STRATTON INSURANCE SERVICES3 | UNKNOWN BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $27K | $0 | $27K | 0.20% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | UNKNOWN BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $25K | $0 | $25K | 0.19% |
| JACKSON INSURANCE AND FIN. SERVICES3 Filed as: JACKSON INSURANCE AND FIN. SVCS | UNKNOWN BEND, OR 97702 | PACIFICSOURCE HEALTH PLANS | $24K | $0 | $24K | 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 | 1,465 | 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) | 1,465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 2,314 | $13.2M |
| Dental | PACIFICSOURCE HEALTH PLANS | 2,314 | $13.2M |
| Vision | PACIFICSOURCE HEALTH PLANS | 2,314 | $13.2M |
| Prescription drug | PACIFICSOURCE HEALTH PLANS | 2,314 | $13.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,314 | — |
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.