| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHWEST | 700 NE MULTNOMAH, SUITE 1300 PORTLAND, OR 97232 | UNITED HEALTHCARE INSURANCE COMPANY | — | $45K | $45K | 4.97% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | UNITED HEALTHCARE INSURANCE COMPANY | — | $11K | $11K | 1.21% |
| RICHIED AND ASSOCIATES, INC.3 | 10425 DOUBLE R BOULEVARD RENO, NV 89521 | UNITED HEALTHCARE INSURANCE COMPANY | $531 | — | $531 | 0.06% |
| RICHIED AND ASSOCIATES, INC.3 | 10425 DOUBLE R BOULEVARD RENO, NV 89521 | PROMINENCE HEALTH PLAN | $32K | — | $32K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHWEST | 700 NE MULTNOMAH, SUITE 1300 PORTLAND, OR 97232 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.61% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $247 | $116 | $363 | 0.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHWEST | 700 NE MULTNOMAH, SUITE 1300 PORTLAND, OR 97232 | VISION SERVICE PLAN | $971 | — | $971 | 6.12% |
| VERENA NORTH3 | 700 NORTH HAYDEN ISLAND DRIVE SUITE 200 PORTLAND, OR 97217 | AFLAC | $1K | — | $1K | 10.18% |
| MJ INSURANCE3 Filed as: LISA HUTCHERSON AND VARIOUS AGENTS | 193 BLUE RAVINE ROAD, SUITE 140 FOLSOM, CA 95630 | AFLAC | $517 | $12 | $529 | 3.75% |
| PAUL LANGAS3 | 700 NORTH HAYDEN ISLAND DRIVE SUITE 220 PORTLAND, OR 97217 | AFLAC | $388 | $6 | $394 | 2.79% |
| MARIE HELENA EVANS3 | 13004 NW MARINA WAY PORTLAND, OR 97231 | AFLAC | $362 | $31 | $393 | 2.78% |
| MATTHEW G BERGER3 Filed as: MATTHEW A. BUMALA | 14415 NW 25TH COURT VANCOUVER, WA 98685 | AFLAC | $231 | — | $231 | 1.64% |
| JEAN ANN SCHINDELHEIM3 | 554 DEW POINT AVENUE CARLSBAD, CA 92011 | AFLAC | $83 | — | $83 | 0.59% |
| KATHERINE WOOD ELLEGOOD3 | 700 NORTH HAYDEN ISLAND DRIVE SUITE 220 PORTLAND, OR 97217 | AFLAC | $75 | — | $75 | 0.53% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 172 | $1.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $82K |
| Vision | VISION SERVICE PLAN | 104 | $16K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 172 | $996K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 172 | $1.5M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.