| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE TODD ORGANIZATION- GARY HARDING3 | 2 CENTERPOINTE SUITE 100 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.49% |
| RONALD KING3 | 1 CENTERPOINTE DR STE 120 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.49% |
| GARY W. HARDING3 Filed as: GARY HARDING - THE TODD ORG. | 2 CENTERPOINTE SUITE 100 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $709 | — | $709 | 4.59% |
| RONALD KING3 | 1 CENTERPOINTE DR STE 120 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $709 | — | $709 | 4.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | 2701 NORTHWEST VAUGHEN STE 340 PORTLAND, OR 97210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $347 | $63 | $410 | 6.42% |
| RONALD KING3 | 1 CENTERPOINT DR STE 120 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $294 | — | $294 | 22.07% |
| GARY W. HARDING3 Filed as: GARY HARDING | 2 CENTERPOINT SUITE 100 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$6 | — | -$6 | -0.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | 2701 NORTHWEST VAUGHEN STE 340 PORTLAND, OR 97210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $62 | $12 | $74 | 5.99% |
| GARY W. HARDING3 Filed as: GARY HARDING | 2 CENTERPOINT SUITE 100 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3 | — | $3 | 9.38% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $45K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.