| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPLIFY INSURANCE LLC3 Filed as: SIMPLIFY BENEFITS INC | 650 HOLLADAY ST STE 1600 PORTLAND, OR 97232 | AFLAC | $21K | — | $21K | 35.60% |
| MICHAEL C WALKER3 Filed as: MICHAEL M STASTNY | 650 HOLLADAY ST STE 1600 PORTLAND, OR 97232 | AFLAC | $7K | $505 | $8K | 12.82% |
| VIRGINIA L KNOPSKI3 | 17001 MILL LN LONG BEACH, WA 98631 | AFLAC | $760 | — | $760 | 1.27% |
| BRIAN L HUGGER3 | 14825 SE 119TH AVE CLACKAMAS, OR 97015 | AFLAC | $694 | — | $694 | 1.16% |
| IOANNIS T GRATSINOPOULOS3 | 5665 MEADOWS RD STE 140 LAKE OSWEGO, OR 97035 | AFLAC | $44 | — | $44 | 0.07% |
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 | 397 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 397 | $213K |
| Life insurance | AFLAC | 103 | $60K |
| Short-term disability | AFLAC | 103 | $60K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | LIFEWISE ASSURANCE COMPANY | 234 | $458K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.