| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | STANDARD INSURANCE COMPANY | $36K | — | $36K | 10.00% |
| KATE THOMAS GROUP INC3 | P.O. BOX 8712 BEND, OR 97708 | AFLAC | $8K | $561 | $9K | 5.58% |
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | AFLAC | $4K | — | $4K | 2.57% |
| KIM HOLLANDS3 | PO BOX 72743 FAIRBANKS, AK 99707 | AFLAC | $1K | $501 | $2K | 1.15% |
| JOSEPH P CALARCO3 Filed as: JOSEPH J CANEPA | P.O. BOX 9013 BEND, OR 97708 | AFLAC | $1K | $31 | $1K | 0.87% |
| GUY R SOUTER3 | 2350 OAKMONT WAY, SUITE 207 EUGENE, OR 97401 | AFLAC | $1K | $77 | $1K | 0.85% |
| SANDRA CHARON3 Filed as: SANDRA K CHARON | 8787 MERLIN DRIVE REDMOND, OR 97756 | AFLAC | $1K | — | $1K | 0.84% |
| MICHAEL FREDRICK THOMAS3 | P.O. BOX 8712 BEND, OR 97702 | AFLAC | $1K | $26 | $1K | 0.81% |
| RICHARD J ROSS3 | 2463 NE BUCKWHEAT CT BEND, OR 97701 | AFLAC | $1K | $7 | $1K | 0.79% |
| REBECCA SWANSON3 Filed as: REBECCA SUE SWANSON | 1900 NE 3RD STREET SUITE 106-116 BEND, OR 97701 | AFLAC | $926 | $80 | $1K | 0.64% |
| PATRICIA J GEE3 Filed as: PATRICIA J. GEE | P.O. BOX 2334 MESA, AZ 85214 | AFLAC | $926 | — | $926 | 0.59% |
| MORETON & COMPANY3 Filed as: AUNDY JUNE MORTON | PO BOX 9023 BEND, OR 97708 | AFLAC | $810 | — | $810 | 0.51% |
| CHARLES N. ENDICOTT3 Filed as: CHARLES N ENDICOTT | 1188 NE 27TH STREET UNITE 46 BEND, OR 97701 | AFLAC | $676 | $4 | $680 | 0.43% |
| KEEFE BURCHER3 | 201 W MAIN STREET, SUITE 4A MEDFORD, OR 97501 | AFLAC | $544 | $135 | $679 | 0.43% |
| ANDRE LAFLAMME3 | 9007 46TH COURT NW GIG HARBOR, WA 98335 | AFLAC | $648 | — | $648 | 0.41% |
| RAYMON P KEECH III3 | 8207 CAMPAIGN CIR RICHMOND, TX 77406 | AFLAC | $360 | $145 | $505 | 0.32% |
| WILLIAM R MEDITZ3 | P.O. BOX 20475 KEIZER, OR 97307 | AFLAC | $432 | $70 | $502 | 0.32% |
| DIXIE D SIMON3 | 509 N SHAMROCK ROAD SPOKANE VALLEY, WA 99037 | AFLAC | $452 | — | $452 | 0.29% |
| G SCOTT COOKE3 Filed as: SCOTT E NIELSEN | 1089 LAKE WASHINGTON BLVD N APT 306 RENTON, WA 98056 | AFLAC | $424 | — | $424 | 0.27% |
| SCOTT ROBERT STORJOHANN3 | 1932 E COLLEGE WAY STE B MOUNT VERNON, WA 98273 | AFLAC | $305 | $62 | $367 | 0.23% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL MICHAEL HANNANT | 7180 SW FIR LOOP, SUITE 250 TIGARD, OR 97223 | AFLAC | $269 | $67 | $336 | 0.21% |
| SHIELA LAFLAMME3 | PMB 451 4810 PT FOSDICK DR NW GIG HARBOR, WA 98335 | AFLAC | $232 | — | $232 | 0.15% |
| ROGER L OLSON3 | 471 DAVIS LK RD USK, WA 99180 | AFLAC | $94 | — | $94 | 0.06% |
| TEDDY M HOLMAN3 | 7179 SW MUSTANG ROAD TERREBONNE, OR 97760 | AFLAC | $61 | — | $61 | 0.04% |
| PHILIP GREGORY HETZ3 | PO BOX 9694 BEND, OR 97708 | AFLAC | $51 | — | $51 | 0.03% |
| LYLE CHARON3 Filed as: LYLE D CHARON | 8787 MERLIN DR. REDMOND, OR 97756 | AFLAC | $41 | — | $41 | 0.03% |
| PHILLIP GOODRUM3 Filed as: PHILLIP ALLAN PAGE | 8870 SOUTH 500 EAST HUNTSVILLE, UT 84317 | AFLAC | $35 | $4 | $39 | 0.02% |
| JEAN CONGLETON3 | 21143 BEE TREE LANE BEND, OR 97701 | AFLAC | $37 | — | $37 | 0.02% |
| HAL HARRISON3 | 870 W CALLE DE EMILIA GREEN VALLEY, AZ 85614 | AFLAC | $30 | — | $30 | 0.02% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PARKWAY 200 PORTLAND, OR 97223 | AFLAC | $27 | — | $27 | 0.02% |
| DOREEN HETZ3 Filed as: DOREEN W HETZ | P.O. BOX 9694 BEND, OR 97708 | AFLAC | $27 | — | $27 | 0.02% |
| ERNEST E SNOOK3 | 14011 282ND LN NE DUVALL, WA 98019 | AFLAC | $22 | — | $22 | 0.01% |
| ROBERT MILLER3 Filed as: ROBERT D MILLER | 6880 SOUTHWEST 153RD AVENUE BEAVERTON, OR 97007 | AFLAC | $8 | — | $8 | 0.01% |
| DENNIS J MCMAHON3 | 21690 NE BUTLER MARKET ROAD BEND, OR 97701 | AFLAC | $6 | — | $6 | 0.00% |
| BROOK E. WOOD3 | 21580 PARK WAY BEND, OR 97001 | AFLAC | $5 | — | $5 | 0.00% |
| DAVID N GUSTAFSON3 | 340 EAST 41ST AVENUE EUGENE, OR 97405 | AFLAC | $3 | — | $3 | 0.00% |
| BRADLEY R. SWANK3 Filed as: BRADLEY R SWANK | PO BOX 872 SPRINGFIELD, OR 97477 | AFLAC | $2 | — | $2 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 9.94% |
| MICHAEL F THOMAS3 | P.O. BOX 8712 BEND, OR 97708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $621 | — | $621 | 2.06% |
| SHEILA M LAFLAMME3 | 1426 EAST IRON EAGLE DR. EAGLE, ID 83616 | CONTINENTAL AMERICAN INSURANCE COMPANY | $464 | — | $464 | 1.54% |
| KATE THOMAS GROUP INC3 Filed as: KATE THOMAS GROUP INC. | P.O. BOX 8712 BEND, OR 97708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $385 | — | $385 | 1.28% |
| ANDRE LAFLAMME3 Filed as: ANDRE LEON LAFLAMME | 9007 46TH COURT NW GIG HARBOR, WA 98335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | — | $291 | 0.96% |
| PATRICIA GEE3 | 70 SW CENTURY DRIVE 100-153 BEND, OR 97702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $269 | — | $269 | 0.89% |
| RAYMON P KEECH III3 | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $217 | — | $217 | 0.72% |
| REBECCA SWANSON3 Filed as: REBECCA S. SWANSON | 3056 NE WELLS ACRES ROAD BEND, OR 97701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.45% |
| KIMBERLY A PARKS3 Filed as: KIMBERLY PARKS | 3702 30TH AVENUE SE OLYMPIA, WA 98501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.31% |
| SHANE EDMUND ATTEBERY3 Filed as: SHANE E ATTEBERY | 2824 S RIVER ROAD GRANTS PASS, OR 97527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.20% |
| TEDDY M HOLMAN3 | 7179 SW MUSTANG ROAD TERREBONNE, OR 97760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.17% |
| ROBIN D HUDSON3 | P.O. BOX 298 BENICIA, CA 95376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.09% |
| SCOTT ROBERT STORJOHANN3 Filed as: SCOTT R. STORJOHANN | 63287 CARLY LN BEND, OR 97701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| MATTHEW S SHROYER3 | 5665 MEADOWS ROAD, SUITE 140 LAKE OSWEGO, OR 97302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| KIM HOLLANDS3 | 61054 CHAMOMILE PL BEND, OR 97702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| JOSEPH P CALARCO3 Filed as: JOSEPH J CANEPA | P.O. BOX 9013 BEND, OR 97708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $542 | $5K | 15.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN/IEC GROUP EIN 82-0497661 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $179K |
| DISCOVERY BENEFITS ADMINISTRATOR | Contract Administrator Service code 13 | 4321 20TH AVE SW 866-451-3399 FARGO, ND 58103 | $10K |
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 | 626 | 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) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 206 | $188K |
| Dental | AFLAC | 206 | $158K |
| Vision | AFLAC | 206 | $158K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 772 | $276K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 573 | $301K |
| Long-term disability | STANDARD INSURANCE COMPANY | 626 | $363K |
| Other(3 contracts, 3 carriers) | AFLAC | 690 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.