| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 784 SPRINGFIELD, OR 97477 | LIFEMAP ASSURANCE COMPANY | $5K | $0 | $5K | 10.43% |
| JOSEPH FIDDY INC3 | 2000 WEST HARVARD AVENUE, SUITE 100 ROSEBURG, OR 97471 | AFLAC | $906 | $117 | $1K | 12.96% |
| RICHARD E. SYFERT3 | PO BOX 917 PLEASANT HILL, OR 97455 | AFLAC | $375 | $27 | $402 | 5.09% |
| VINCENT BRIAN VOLLMAR3 Filed as: VINCENT BRAIN VOLLMAT | 777 COMMERCIAL STREET SE, SUITE 20 SALEM, OR 97301 | AFLAC | $56 | $0 | $56 | 0.71% |
| JEROME E. CILLEY3 | 2683 EAST WILLSHIRE DRIVE EUGENE, OR 97405 | AFLAC | $38 | $0 | $38 | 0.48% |
| MARCIE MARIE OTIS3 | 200 JULINA LANE ROSEBURG, OR 97471 | AFLAC | $17 | $0 | $17 | 0.22% |
| CAROL A. KENYON3 | 1645 CLEVELAND HILL ROAD ROSEBURG, OR 97471 | AFLAC | $12 | $0 | $12 | 0.15% |
| MJ INSURANCE3 Filed as: RAYMON KEECHAND VARIOUS AGENTS | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $5 | $0 | $5 | 0.06% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFEMAP ASSURANCE COMPANY | 136 | $47K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 136 | $47K |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 136 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.