| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK J WEST3 Filed as: FRANK WEST | 3953 HIGHLAND DRIVE HOLLADAY, UT 84124 | RELIASTAR LIFE INSURANCE COMPANY | $35K | — | $35K | 14.94% |
| MJ INSURANCE3 Filed as: JAMES R. BARS AND VARIOUS AGENTS | PO BOX 333 COVE, OR 97824 | AFLAC | $6K | $171 | $6K | 4.58% |
| GINA SIENIA3 | 7515 SW THORNTON DRIVE WILSONVILLE, OR 97070 | AFLAC | $6K | $115 | $6K | 4.39% |
| MARICELA SANCHEZ3 | 509 EAST BROWNING AVENUE HERMISTON, OR 97838 | AFLAC | $2K | $159 | $2K | 1.81% |
| NAOMI RITA HILARY3 | 105 FIR STREET, SUITE 323 LA GRANDE, OR 97850 | AFLAC | $2K | $48 | $2K | 1.63% |
| JENNIFER L. WYLIE3 | PO BOX 1492 HERMISTON, OR 97838 | AFLAC | $1K | $30 | $2K | 1.12% |
| PAULA G. ACHESON3 | 331 EAST NEWPORT AVENUE HERMISTON, OR 97838 | AFLAC | $1K | $81 | $1K | 1.10% |
| MJ INSURANCE3 Filed as: DEANNE L. SAMS | 133 SOUTH MAIN STREET PENDLETON, OR 97801 | AFLAC | $1K | $6 | $1K | 1.08% |
| BRIAN K. BISSINGER3 | PO BOX 808 HERMISTON, OR 97838 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 12.76% |
| FRANK J WEST3 Filed as: FRANK J. WEST | 3953 SOUTH HIGHLAND DRIVE HOLLADAY, UT 84124 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 17.98% |
| STEVEN P. MOBLEY4 | 1631 NE BROADWAY STREET SUITE 205 PORTLAND, OR 97232 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 16.66% |
| KRISTYN J. MCFARLAND4 | 15892 SE HEIDI LANE DAMASCUS, OR 97089 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $49 | — | $49 | 0.66% |
| SIMMONS FIRST INSURANCE SERVICES4 Filed as: THE SIMMONS AGENCY | PO BOX 808 HERMISTON, OR 97838 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $31 | — | $31 | 0.42% |
| DONALD M. EWERS4 | 15892 SE HEIDI LANE DAMASCUS, OR 97089 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $12 | — | $12 | 0.16% |
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 | 488 | 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) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL INSURANCE, INC. | 249 | $100K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 855 | $245K |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 855 | $245K |
| Long-term disability(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 855 | $274K |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 855 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 855 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.