| 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 | $70K | $0 | $70K | 9.72% |
| MJ INSURANCE3 Filed as: DEANNE L. SAMS AND VARIOUS AGENTS | 45731 BEST ROAD PENDLETON, OR 97801 | AFLAC | $1K | $5 | $1K | 3.86% |
| JENNIFER L. WYLIE3 Filed as: JENNIFER W. WYLIE | PO BOX 1492 HERMISTON, OR 97838 | AFLAC | $1K | $52 | $1K | 3.29% |
| GINA SIENIA3 | PO BOX 446 ECHO, OR 97826 | AFLAC | $1K | $27 | $1K | 3.18% |
| PAULA G. ACHESON3 | 331 EAST NEWPORT AVENUE HERMISTON, OR 97838 | AFLAC | $385 | $0 | $385 | 1.11% |
| MARICELA SANCHEZ3 | 509 EAST BROWNING AVENUE HERMISTON, OR 97838 | AFLAC | $357 | $0 | $357 | 1.03% |
| JAMES J SCHAMBER3 Filed as: JAMES J. SCHAMBER | 5700 EAST FRANKLIN ROAD, SUITE 11 NAMPA, ID 83687 | AFLAC | $203 | $13 | $216 | 0.62% |
| PHIL E DIETMEYER3 Filed as: PHIL E. DIETMEYER | 8275 SW COLONY CREEK COURT TIGARD, OR 97224 | AFLAC | $163 | $5 | $168 | 0.49% |
| STEVE MOBLEY4 | 1631 NE BROADWAY STREET, SUITE 205 PORTLAND, OR 97232 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $854 | $0 | $854 | 15.75% |
| KRISTYN J. MCFARLAND4 | 15892 SE HEIDI LANE DAMASCUS, OR 97089 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $29 | $0 | $29 | 0.53% |
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 | 623 | 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) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL INSURANCE, INC. | 395 | $202K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,277 | $716K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,277 | $716K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,277 | $716K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,277 | $756K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,277 | — |
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.