| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - SEATTLE | 29840 NETWORK PLACE CHICAGO, IL 606731296 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $11K | $57K | 6.25% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SEATTLE | 29840 NETWORK PLACE CHICAGO, IL 606731296 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | $5K | $60K | 16.25% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SEATTLE | 29840 NETWORK PLACE CHICAGO, IL 606731296 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - SEATTLE | 29840 NETWORK PLACE CHICAGO, IL 606731296 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $3K | $31K | 20.04% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT | ADMINISTRATION INC. PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.00% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVENUE PORTLAND, OR 97223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.61% |
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 | 1,097 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL INSURANCE, INC. | 609 | $384K |
| Vision | VISION SERVICE PLAN | 916 | $145K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,106 | $367K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,444 | $285K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,232 | $914K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,343 | $573K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,444 | — |
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.