| 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 | $63K | $0 | $63K | 9.94% |
| JENNIFER L. WYLIE3 | PO BOX 1492 HERMISTON, OR 97838 | AFLAC | $4K | $245 | $4K | 4.29% |
| MJ INSURANCE3 Filed as: LARRY A. MORRIS AND VARIOUS AGENTS | 259 SOUTH SEQUOIA PARKWAY SUITE K093 CANBY, OR 97013 | AFLAC | $4K | $18 | $4K | 4.29% |
| GINA SIENIA3 Filed as: GINA SIENA | PO BOX 446 ECHO, OR 97826 | AFLAC | $3K | $87 | $3K | 3.57% |
| PAULA G. ACHESON3 | 331 EAST NEWPORT AVENUE HERMISTON, OR 97838 | AFLAC | $1K | $0 | $1K | 1.14% |
| MARICELLA SANCHEZ3 | 509 EAST BROWNING AVENUE HERMISTON, OR 97838 | AFLAC | $856 | $0 | $856 | 0.96% |
| JAMES J SCHAMBER3 Filed as: JAMES J. SCHAMBER | 5700 EAST FRANKLIN ROAD, SUITE 110 NAMPA, ID 83687 | AFLAC | $625 | $41 | $666 | 0.75% |
| PHIL E DIETMEYER3 Filed as: PHIL E. DIETMEYER | 8275 SW COLONY CREEK COURT TIGARD, OR 97224 | AFLAC | $489 | $18 | $507 | 0.57% |
| STEVEN P. MOBLEY4 Filed as: STEVEN B. MOBLEY | 1631 NE BROADWAY STREET, SUITE 205 PORTLAND, OR 97232 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 18.13% |
| KRISTYN J. MCFARLAND4 | 15892 SE HEIDI LANE DAMASCUS, OR 97089 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $31 | $0 | $31 | 0.55% |
| DONALD M. EWERS4 | 15892 SE HEIDI LANE DAMASCUS, OR 97089 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $10 | $0 | $10 | 0.18% |
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 | 591 | 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) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL INSURANCE, INC. | 349 | $165K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,061 | $636K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,061 | $636K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,061 | $636K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,061 | $731K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,061 | — |
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.