| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CU BENEFITS ALLIANCE3 | 451 DIVISION STREET NE SALEM, OR 97301 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.81% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION STREET NE SALEM, OR 97301 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.18% |
| WORKSITE BENEFITS GROUP INC | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $639 | $2K | 4.35% |
| AKT BENEFIT ADVISORS LP3 | 680 HAWTHORNE AVENUE SE SALEM, OR 97301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $770 | — | $770 | 1.74% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $709 | $35 | $744 | 1.68% |
| ROXANA BUSCHMAN3 | 400 NORTHEAST 149TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $438 | $12 | $450 | 1.02% |
| PROPEL INSURANCE AGENCY LLC3 | DBA PROPEL INSURANCE TACOMA, WA 98402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | — | $355 | 0.80% |
| ZINA OSTER3 | 3153 FOREST DRIVE CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.16% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVENUE HILLSBORO, OR 97127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $7 | $63 | 0.14% |
| BENJAMIN MOSQUEDA3 | 2855 CROCKERY SHORES RD CASNOVIA, MI 49318 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.06% |
| ISAACSON INSURANCE AGENCY LLC3 | 1250 11TH ST WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $6 | $24 | 0.05% |
| MARGARET BRYANT3 | 18014 SW BELMORE AVENUE LAKE OSWEGO, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CU BENEFITS ALLIANCE BROKER | Insurance agents and brokers Service code 22 | — | $80K |
| EBMS EIN 81-0391256 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $77K |
| AETNA SIGNATURE ADMINISTRATORS EIN 06-6033492 CLAIMS PROCESSING | Contract Administrator Service code 13 | — | $41K |
| BENEFITS PARTNER LLC EIN 20-2024076 BROKER | Insurance agents and brokers Service code 22 | — | $21K |
| NAVIA BENEFITS EIN 91-1467758 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $9K |
| FIRST CHOICE HEALTH EIN 91-1272766 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $6K |
| COFINITY EIN 20-1274723 CLAIMS PROCESSING | Claims processing Service code 12 | — | $3K |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 222 | $90K |
| Long-term disability | STANDARD INSURANCE COMPANY | 222 | $51K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.