| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $49K | $49K | 4.72% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 1.47% |
| RICHIED AND ASSOCIATES, INC.3 | 10425 DOUBLE R BOULEVARD RENO, NV 89521 | UNITEDHEALTHCARE INSURANCE COMPANY | $547 | — | $547 | 0.05% |
| RICHIED AND ASSOCIATES, INC.3 | 10425 DOUBLE R BOULEVARD RENO, NV 89521 | PROMINENCE HEALTH PLAN | $31K | — | $31K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62949 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.89% |
| 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 | — | $460 | $460 | 0.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHWEST | 700 NE MULTNOMAH, SUITE 1300 PORTLAND, OR 97232 | VISION SERVICE PLAN | $1K | — | $1K | 5.89% |
| VERENA NORTH3 | 700 NORTH HAYDEN ISLAND DRIVE SUITE 200 PORTLAND, OR 97217 | AFLAC | $958 | — | $958 | 6.86% |
| JEAN ANN SCHINDELHEIM3 Filed as: JEAN SCHINDELHEIM AND OTHER AGENTS | 554 DEW POINT AVENUE CARLSBAD, CA 92011 | AFLAC | $649 | $17 | $666 | 4.77% |
| VERNA NORTH3 | 700 NORTH HAYDEN ISLAND DRIVE SUITE 200 PORTLAND, OR 97217 | AFLAC | $379 | $82 | $461 | 3.30% |
| MARIE HELENA EVANS3 | 13004 NW MARINA WAY PORTLAND, OR 97231 | AFLAC | $301 | — | $301 | 2.15% |
| PAUL LANGAS3 | 700 NORTH HAYDEN ISLAND DRIVE SUITE 200 PORTLAND, OR 97217 | AFLAC | $165 | $16 | $181 | 1.30% |
| SHANE SCALF3 | 809 NE 10TH STREET BATTLE GROUND, WA 98604 | AFLAC | $162 | — | $162 | 1.16% |
| DERIK SOMMERS3 | 518 NORTH 39TH PLANC RIDGEFIELD, WA 98642 | AFLAC | $107 | — | $107 | 0.77% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $1.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $101K |
| Vision | VISION SERVICE PLAN | 118 | $18K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $1.1M |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $1.6M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.