| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUPPLEMENTAL BENEFIT SOLUTIONS | PO BOX 1849 LAKE OSWEGO, OR 97035 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 17.16% |
| JOSEPH FOXLEY3 Filed as: JOSEPH STEVEN DURBIN | PO BOX 1849 LAKE OSWEGO, CA 97035 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | $0 | $164 | 0.86% |
| JOE DURBIN3 | PO BOX 1849 LAKE OSWEGO, OR 97035 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | $0 | $115 | 0.60% |
| LAPORTE & ASSOCIATES, INC3 Filed as: LAPORTE & ASSOCIATES INC | 5515 SOUTHEAST MILWAUKIE AVENUE PORTLAND, OR 97202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.27% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 EAST TAFT AVENUE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
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 | 376 | 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) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 574 | $2.4M |
| Vision | VISION SERVICE PLAN | 218 | $37K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 574 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.