| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LP | 680 HAWTHORNE AVE SE STE 140 SALEM, OR 97301 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 1.22% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LP | 680 HAWTHORNE AVENUE #140 SALEM, OR 97301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $12K | 13.74% |
| AKT BENEFIT ADVISORS LP3 Filed as: AKT BENEFIT ADVISORS LLC | 680 HAWTHORNE AVE SE STE 140 SALEM, OR 973010041 | VISION SERVICE PLAN | $427 | — | $427 | 2.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE FINANCIAL EIN 38-1082080 NONE | Insurance services Service code 23 | — | $508K |
| C.A.S. EIN 91-1991574 NONE | Contract Administrator Service code 13 | — | $34K |
| VSP EIN 91-6056925 NONE | Insurance services Service code 23 | — | $21K |
| ZELIS CLAIMS INTEGRITY EIN 86-1040704 NONE | Insurance services Service code 23 | — | $7K |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 102 | $21K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $85K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $85K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $85K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $508K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.