| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALDRICH BENEFITS LP3 | 680 HAWTHORNE AVE SE#140 SALEM, OR 97301 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 6.01% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LP | 5665 SW MEADOWS ROAD SUITE 200 LAKE OSWEGO, OR 970353131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 8.00% |
| MGIS5 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $165 | $165 | 0.09% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LP | 5665 SW MEADOWS ROAD SUITE 200 LAKE OSWEGO, OR 970353131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 8.00% |
| MGIS5 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $165 | $165 | 0.15% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LP | 5665 SW MEADOWS ROAD SUITE 200 LAKE OSWEGO, OR 970353131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.00% |
| MGIS5 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $165 | $165 | 0.82% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LP | 5655 SW MEADOWS ROAD SUITE 200 LAKE OSWEGO, OR 970353131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $679 | — | $679 | 9.99% |
| MGIS5 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $165 | $165 | 2.43% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 174 | $589K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 174 | $589K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $7K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 94 | $108K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $182K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.