| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH H HERRLE & ASSOC INC3 Filed as: JOSEPH H. HERRLE & ASSOC. INC. | P.O. BOX 1509 PORTLAND, OR 972071509 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 7.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MILLIMAN USA EIN 91-0675641 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $57K |
| A & I BENEFIT PLAN ADMINISTRATORS EIN 93-0446761 NONE | Other services; Direct payment from the plan; Claims processing; Plan Administrator; Copying and duplicating; Contract Administrator Service code 12 | — | $43K |
| BENESYS, INC. EIN 38-2383171 NONE | Plan Administrator; Other services; Claims processing; Copying and duplicating; Contract Administrator; Direct payment from the plan Service code 12 | — | $34K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
| FERGUSON WELLMAN CAPITAL MGT. EIN 93-0646988 NONE | Investment management; Soft dollars commissions; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | — | $19K |
| MCKENZIE ROTHWELL BARLOW & COUGHRAN EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
| US BANK N.A. EIN 31-0841368 PARTY IN INTEREST | Direct payment from the plan; Custodial (securities) Service code 19 | — | $5K |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 196 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.