| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE LLC | PO BOX 784 SPRINGFIELD, OR 97477 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $12K | $12K | 1.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | WILLAMETTE DENTAL INSURANCE, INC. | $531 | $0 | $531 | 1.72% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 29 SPRINGFIELD, OR 97477 | PACIFICSOURCE HEALTH PLANS | $2K | $1K | $3K | 11.11% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | PACIFICSOURCE HEALTH PLANS | $943 | $0 | $943 | 3.23% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE LLC | 1111 GATEWAY LOOP SPRINGFIELD, OR 97477 | PACIFICSOURCE HEALTH PLANS | $714 | $0 | $714 | 2.45% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | 1111 GATEWAY LOOP SPRINGFIELD, VA 97477 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 13.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.90% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | UNKNOWN EUGENE, OR 97402 | DELTA DENTAL INSURANCE COMPANY | $517 | $0 | $517 | 5.19% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | 1111 GATEWAY LOOP SPRINGFIELD, VA 97477 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $934 | $0 | $934 | 9.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $479 | $0 | $479 | 5.09% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 29 SPRINGFIELD, OR 97477 | VISION SERVICE PLAN | $572 | $0 | $572 | 6.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $270 | $0 | $270 | 3.12% |
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 | 89 | 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) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $927K |
| Dental(3 contracts, 3 carriers) | WILLAMETTE DENTAL INSURANCE, INC. | 74 | $70K |
| Vision | VISION SERVICE PLAN | 90 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 30 | $9K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $927K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.