| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINDSAY REED3 | ALLIANT INSURANCE SERVICES INC 5726 YVONNE CT SE SALEM, OR 97306 | PROVIDENCE HEALTH PLAN | $40K | — | $40K | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 680 HAWTHORNE AVENUE #140 SALEM, OR 97301 | GUARDIAN | $16K | $1K | $17K | 10.21% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN | $2K | — | $2K | 1.48% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LP | 680 HAWTHORNE AVE SE STE 140 SALEM, OR 97301 | PRINCIPAL LIFE INSURANCE COMPANY | $560 | $343 | $903 | 6.62% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN AVE STE 1000 IRVINE, CA 926127196 | PRINCIPAL LIFE INSURANCE COMPANY | $558 | — | $558 | 4.09% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 142 | $1.3M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 161 | $222K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 189 | $180K |
| Life insurance | GUARDIAN | 161 | $167K |
| Long-term disability | GUARDIAN | 161 | $167K |
| Other | GUARDIAN | 161 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.