| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY W. HARDING3 Filed as: GARY HARDING | THE TODD ORGANIZATION 2 CENTERPOINTE DR., STE. 100 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.00% |
| RONALD KING3 | 1 CENTERPOINTE DR., STE. 120 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.00% |
| GARY W. HARDING3 Filed as: GARY HARDING | THE TODD ORGANIZATION 2 CENTERPOINTE DR., STE. 100 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $596 | — | $596 | 5.00% |
| RONALD KING3 | 1 CENTERPOINTE DR., STE. 120 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $596 | — | $596 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | 2701 NORTH WEST VAUGHEN STE 340 PORTLAND, OR 97210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $280 | — | $280 | 5.00% |
| GARY W. HARDING3 Filed as: GARY HARDING | THE TODD ORGANIZATION 2 CENTERPOINTE DR., STE. 100 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $67 | — | $67 | 5.01% |
| RONALD KING3 | 1 CENTERPOINTE DR., STE. 120 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $67 | — | $67 | 5.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | 2701 NORTH WEST VAUGHEN STE 340 PORTLAND, OR 97210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $49 | — | $49 | 4.95% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $38K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $14K |
| 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.