| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJI, INC. | 448 SE BAKER STREET MCMINNVILLE, OR 97128 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 6.77% |
| MJ INSURANCE3 Filed as: MJI, INC. | PO BOX 847 MCMINNVILLE, OR 97128 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 7.12% |
| DOUG A. SMITH4 | 2901 EAST 2ND STREET, UNIT 60 NEWBERG, OR 97132 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $509 | — | $509 | 7.73% |
| MJ INSURANCE4 Filed as: MJI, INC. | PO BOX 847 MCMINNVILLE, OR 97128 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $392 | $0 | $392 | 5.96% |
| MJ INSURANCE3 Filed as: MJI, INC. | PO BOX 847 MCMINNVILLE, OR 97128 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $230 | $1 | $231 | 5.13% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 244 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 142 | $137K |
| Short-term disability | STANDARD INSURANCE COMPANY | 142 | $137K |
| Long-term disability | STANDARD INSURANCE COMPANY | 142 | $137K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 142 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.