| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPLIFY INSURANCE LLC3 Filed as: SIMPLIFY BENEFITS INC | 605 PORTLAND AVENUE, UNIT 531 GLADSTONE, OR 97027 | AFLAC | $9K | $0 | $9K | 11.51% |
| PAUL LANGAS3 | 4025 NW 77TH AVENUE CAMAS, WA 98607 | AFLAC | $2K | $142 | $2K | 2.94% |
| MICHAEL STASTNY3 | 605 PORTLAND AVENUE, UNIT 531 GLADSTONE, OR 97027 | AFLAC | $2K | $274 | $2K | 2.50% |
| MJ INSURANCE3 Filed as: BRIAN HUGGER AND VARIOUS AGENTS | 10117 SE SUNNYSIDE ROAD, SUITE F52 CLACKAMAS, OR 97015 | AFLAC | $285 | $38 | $323 | 0.40% |
| DEREK SOMMERS3 | 518 NORTH 39TH PLACE RIDGEFIELD, WA 98642 | AFLAC | $210 | $24 | $234 | 0.29% |
| VIRGINIA L KNOPSKI3 Filed as: VIRGINIA KNOPSKI | 17001 MILL LANE LONG BEACH, WA 98631 | AFLAC | $116 | $44 | $160 | 0.20% |
| MATTHEW G BERGER3 Filed as: MATTHEW BUMALA | 37707 30TH PLACE SOUTH FEDERAL WAY, WA 98003 | AFLAC | $89 | $0 | $89 | 0.11% |
| WEST COAST INSURANCE SERVICES INC3 | 916 MAIN STREET VANCOUVER, WA 98660 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.52% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 WEST LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $250 | $250 | 1.25% |
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 | 378 | 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) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 559 | $349K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 559 | $231K |
| Life insurance | AFLAC | 84 | $80K |
| Short-term disability | AFLAC | 84 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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."
No prospect flags tripped on this filing.