| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| K.P.D. INSURANCE, LLC3 Filed as: K P D INSURANCE, LLC | 1111 GATEWAY LOOP SPRINGFIELD, OR 97477 | STANDARD INSURANCE COMPANY | $17K | $0 | $17K | 3.46% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $16K | $0 | $16K | 3.21% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 301 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 0.89% |
| K.P.D. INSURANCE, LLC3 | PO BOX 784 SPRINGFIELD, OR 97477 | VISION SERVICE PLAN | $4K | — | $4K | 2.08% |
| K.P.D. INSURANCE, LLC3 Filed as: K. P. D. INSURANCE, LLC | 1111 GATEWAY LOOP SPRINGFIELD, OR 97477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 12.92% |
| CAROL ANN KENYON3 | 1641 CLEVELAND HILL ROAD ROSEBURG, OR 97470 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 12.90% |
| MARCI MARIE OTIS3 | 200 JULINA LANE ROSEBURG, OR 97471 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 11.95% |
| JACOB BANKS3 | 365 WAITE STREET EUGENE, OR 97402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $501 | $0 | $501 | 3.55% |
| NOAH BAILEY3 Filed as: NOAH KYLE BAILEY | 201 WEST MAIN STREET, SUITE 4A MEDFORD, OR 97501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | $0 | $252 | 1.78% |
| RAYMON P KEECH III3 Filed as: RAYMON PAUL KEECH & OTHER AGENTS | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | $0 | $252 | 1.78% |
| ROBIN D HUDSON3 Filed as: ROBIN D. HUDSON | 4250 ARVILLE STREET, APARTMENT 348 LAS VEGAS, NV 89103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | $0 | $104 | 0.74% |
| K.P.D. INSURANCE, LLC3 | PO BOX 784 SPRINGFIELD, OR 97477 | NATIONAL UNION FIRE INS. CO. OF PITTSBURG, PA | $204 | $0 | $204 | 15.03% |
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 | 835 | 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) | 835 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CONTINENTAL AMERICAN INSURANCE COMPANY | 47 | $14K |
| Vision | VISION SERVICE PLAN | 770 | $201K |
| Life insurance | STANDARD INSURANCE COMPANY | 835 | $490K |
| Long-term disability | STANDARD INSURANCE COMPANY | 835 | $490K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 835 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 835 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.