| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY W. HARDING3 Filed as: GARY HARDING | THE TODD ORGANIZATION 4949 MEADOWS ROAD, SUITE 320 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.00% |
| RONALD KING3 | C/O THE TODD ORGANIZATION 4949 MEADOWS ROAD, SUITE 320 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | P.O. BOX 29018 PORTLAND, OR 97296 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $324 | $91 | $415 | 6.40% |
| GARY W. HARDING3 Filed as: GARY HARDING | THE TODD ORGANIZATION 4949 MEADOWS ROAD, SUITE 320 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95 | — | $95 | 5.02% |
| RONALD KING3 | C/O THE TODD ORGANIZATION 4949 MEADOWS ROAD, SUITE 320 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95 | — | $95 | 5.02% |
| RONALD KING3 | 4949 MEADOWS ROAD SUITE 320 LAKE OSWEGO, OR 97035 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85 | — | $85 | 4.50% |
| THE TODD ORGANIZATION- GARY HARDING3 Filed as: THE TODD ORGANIZATION OF SEATTLE | 4949 MEADOWS ROAD SUITE 320 LAKE OSWEGO, OR 97035 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85 | — | $85 | 4.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | P O BOX 29018 PORTLAND, OR 97296 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57 | $16 | $73 | 6.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 TPA | Claims processing Service code 12 | — | $72K |
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 | 107 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $8K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $38K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.