| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH H HERRLE & ASSOC INC3 | PO BOX 1509 PORTLAND, OR 92707 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Other services; Contract Administrator; Plan Administrator; Claims processing; Copying and duplicating; Direct payment from the plan Service code 12 | — | $101K |
| MILLIMAN USA EIN 91-0675641 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $47K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
| FERGUSON WELLMAN CAPITAL MGT. EIN 93-0646988 NONE | Investment management fees paid directly by plan; Investment management; Soft dollars commissions; Direct payment from the plan Service code 28 | — | $25K |
| BARLOW & COUGHRAN, P.S. EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| HILTON VANCOUVER WA NONE | Other services; Direct payment from the plan Service code 49 | 306 W 6TH ST VANCOUVER, WA 98660 | $10K |
| SONYA HIBBETTS TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 5531 S MACADAM AVE SUITE 258 PORTLAND, OR 97239 | $6K |
| US BANK N.A. EIN 31-0841368 PARTY-IN-INTEREST | Direct payment from the plan; Custodial (securities); Soft dollars commissions Service code 19 | — | $6K |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 114 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 243 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.