| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REVOLUTION BENEFITS GROUP, LLC3 | 164 SE G ST STE 60 GRANT PASS, OR 97526 | ASSURITY LIFE INSURANCE COMPANY | $169K | — | $169K | 45.99% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SERVICES | 7150 SW HAMPTON ST, SUITE 140 PORTLAND, OR 97223 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $2K | $16K | 11.12% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: NATIONAL PCF BONUS ONLY | 2500 W EXECUTIVE PKWY STE 200 LEHI, UT 84043 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.30% |
| PCF INSURANCE SERVICES OF THE WEST3 | 7150 SW HAMPTON ST, SUITE 140 TIGARD, OR 97223 | WILLAMETTE DENTAL INSURANCE INC. | $6K | — | $6K | 10.00% |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $198K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $142K |
| Life insurance | ASSURITY LIFE INSURANCE COMPANY | 1,867 | $366K |
| Other | CANOPY EAP | 76 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,867 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.