| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC. | PO BOX 784 SPRINGFIELD, OR 97477 | STANDARD INSURANCE COMPANY | $3K | $4K | $7K | 5.66% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC. | PO BOX 784 SPRINGFIELD, OR 97477 | LIFEMAP ASSURANCE COMPANY | $4K | $0 | $4K | 10.53% |
| JOSEPH FIDDY INC3 Filed as: JOSEPH FIDDY INC. | 2000 WEST HARVARD AVENUE SUITE 100 ROSEBURG, OR 97471 | AFLAC | $621 | $80 | $701 | 17.88% |
| RICHARD E. SYFERT3 | 86195 PANORAMA ROAD SPRINGFIELD, OR 97478 | AFLAC | $173 | $16 | $189 | 4.82% |
| JEROMY E. CILLEY3 | 1115 PEARL STREET EUGENE, OR 97401 | AFLAC | $103 | $16 | $119 | 3.03% |
| MARCI MARIE OTIS3 | 200 JULINA LANE ROSEBURG, OR 97471 | AFLAC | $31 | $0 | $31 | 0.79% |
| CAROL A. KENYON3 | 1645 CLEVELAND HILL ROAD ROSEBURG, OR 97471 | AFLAC | $22 | $0 | $22 | 0.56% |
| RAYMON P KEECH III3 Filed as: RAYMON P KEECH III AND OTHER AGENTS | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $12 | $0 | $12 | 0.31% |
| MARK D LUTHER3 Filed as: MARK D. LUTHER | 1400 MAIN STREET, APT 610 CANNONSBURG, PA 15317 | AFLAC | $4 | $0 | $4 | 0.10% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 116 | $122K |
| Vision | STANDARD INSURANCE COMPANY | 116 | $122K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 137 | $42K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 137 | $42K |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 137 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.