| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALLEY INSURANCE PROFESSIONALS3 Filed as: VALLEY INSURANCE PROFESSIONALS INC | 437 UNION ST NE SALEM, OR 97301 | LIFEMAP ASSURANCE COMPANY | $55K | — | $55K | 8.50% |
| VALLEY INSURANCE PROFESSIONALS3 | 1295 BAXTER RD SE SALEM, OR 97306 | ARAG INSURANCE COMPANY | $29K | — | $29K | 7.50% |
| SEIU0 | P.O. BOX 12159 SALEM, OR 97309 | ARAG INSURANCE COMPANY | — | $29K | $29K | 7.50% |
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 | 42,323 | 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) | 42,323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFEMAP ASSURANCE COMPANY | 42,202 | $642K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 42,202 | $642K |
| Other | ARAG INSURANCE COMPANY | 2,282 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,202 | — |
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.