| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $2K | $0 | $2K | 2.04% |
| BENNIE INSURANCE, LLC3 | 200 BROADWAY, 3RD FLOOR NEW YORK, NY 10038 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $1K | $0 | $1K | 0.95% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | PO BOX 62949 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $736 | $4K | 9.20% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.65% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | PO BOX 62949 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $898 | $0 | $898 | 4.28% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | VISION SERVICE PLAN | $591 | $0 | $591 | 2.82% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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 |
|---|---|---|---|
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 274 | $122K |
| Vision | VISION SERVICE PLAN | 157 | $21K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $47K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $47K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.