| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CU BENEFITS ALLIANCE3 | 451 DIVISION STREET NE SALEM, OR 97301 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 6.35% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 6.05% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $694 | $23 | $717 | 1.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | 680 HAWTHORNE AVENUE SE SALEM, OR 97301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $633 | $73 | $706 | 1.69% |
| SUSAN J LEACH3 Filed as: SUSAN J. LEACH | 4419 NE 131ST PLACE, APARTMENT C1 PORTLAND, OR 97230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $446 | $0 | $446 | 1.06% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | UNKNOWN TACOMA, WA 98402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $391 | $3 | $394 | 0.94% |
| ROXANA BUSCHMAN3 | 400 NE 149TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $206 | $0 | $206 | 0.49% |
| MJ INSURANCE3 Filed as: ZINA OSTER AND VARIOUS AGENTS | 1317 EDGEWATER DRIVE, SUITE 5766 ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $3 | $154 | 0.37% |
| CU BENEFITS3 | PO BOX 12398 SALEM, OR 97301 | FIRST CHOICE HEALTH NETWORK | $397 | $0 | $397 | 5.85% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 238 | $161K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 36 | $42K |
| Long-term disability | STANDARD INSURANCE COMPANY | 238 | $119K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 248 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.