| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROAD RIVER BENEFITS LLC3 Filed as: BROAD RIVER BENEFITS, LLC | 5 CENTERPOINTE DR STE 400 LAKE OSWEGO, OR 97035 | AETNA LIFE INSURANCE COMPANY | $43K | $0 | $43K | 4.88% |
| BROAD RIVER BENEFITS LLC3 Filed as: BROAD RIVER BENEFITS | 5 CENTERPOINTE DR STE 400 LAKE OSWEGO, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 8.45% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $907 | $3K | 6.15% |
| PAMELA COPLE SMITH3 | 411 HIGHLAND DR SEATTLE, WA 98109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $38 | $2K | 2.81% |
| WORKSITE BENEFITS GROUP INC3 | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $702 | $645 | $1K | 2.50% |
| ZARA ANNE PINES3 | 9010 SW OAK ST APT 300 PORTLAND, OR 97223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $368 | $0 | $368 | 0.68% |
| RAQUEL LOSADA MONROY3 | 817 NE DELP ROAD CAMAS, WA 98607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $8 | $60 | 0.11% |
| MSUSAN J LEACH3 | 4419 NE 131ST PL APT C1 PORTLAND, OR 97230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.11% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 130 | $873K |
| Dental | AETNA LIFE INSURANCE COMPANY | 130 | $873K |
| Vision | AETNA LIFE INSURANCE COMPANY | 130 | $873K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $54K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $54K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.