| 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 | $3K | — | $3K | 6.00% |
| RONALD KING3 | C/O THE TODD ORGANIZATION 4949 MEADOWS ROAD, SUITE 320 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.00% |
| 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 | $670 | — | $670 | 5.00% |
| RONALD KING3 | C/O THE TODD ORGANIZATION 4949 MEADOWS ROAD, SUITE 320 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $670 | — | $670 | 5.00% |
| 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 | $329 | — | $329 | 5.00% |
| 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 | $93 | — | $93 | 5.01% |
| RONALD KING3 | C/O THE TODD ORGANIZATION 4949 MEADOWS ROAD, SUITE 320 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $93 | — | $93 | 5.01% |
| 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 | $58 | — | $58 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 TPA | Claims processing Service code 12 | — | $9K |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $7K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $56K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.