| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PACIFIC BENEFIT CONSULTANTS3 | 450 COUNTRY CLUB ROAD, STE 330 EUGENE, OR 97401 | PROVIDENCE HEALTH PLAN | $28K | — | $28K | 2.51% |
| WARD INSURANCE AGENCY INC3 Filed as: WARD INSURANCE AGENCY | PO BOX 10167 EUGENE, OR 97440 | PROVIDENCE HEALTH PLAN | $8K | — | $8K | 0.72% |
| PACIFIC BENEFIT CONSULTANTS3 | 450 COUNTRY CLUB ROAD #330 EUGENE, OR 97401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.16% |
| WARD INSURANCE AGENCY INC3 Filed as: WARD INSURANCE AGENCY | PO BOX 10167 EUGENE, OR 97440 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.85% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 154 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $165K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $165K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $165K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $165K |
| Prescription drug | PROVIDENCE HEALTH PLAN | 154 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.