| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENA DOONEY/DDI BENEFITS, INC.3 Filed as: DENA DOONEY, DDI BENEFITS | 2111 NE HALSEY PORTLAND, OR 97232 | PROVIDENCE HEALTH PLAN | $90K | $0 | $90K | 3.00% |
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS | 2111 NE HALSEY STREET PORTLAND, OR 97232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 5.78% |
| DENA DOONEY/DDI BENEFITS, INC.3 Filed as: DENA DOONEY | 2111 NE HALSEY ST. PORTLAND, OR 97232 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 3.28% |
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS | 2111 NE HALSEY ST. PORTLAND, OR 97232 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.15% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | $93 | $314 | 5.64% |
| SUSAN GOLD STOKES3 | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | $32 | $227 | 4.08% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP INC. | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $44 | $90 | 1.62% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $22 | $89 | 1.60% |
| KRISTIN LEASE3 | 3890 HOWARD AVE LOS ALAMITOS, CA 90720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $51 | $78 | 1.40% |
| DDI BENEFITS INC.3 | PO BOX 13090 PORTLAND, OR 97213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 1.04% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | 601 UNION STREET SEATTLE, WA 98101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.47% |
| KAREN CLAY KUNKLER3 | 415 SE 177TH AVE STE 236 VANCOUVER, WA 98683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.36% |
| JOEL N NEWMAN AGENCY LLC3 | 924-B NW 52ND STREET SEATTLE, WA 98107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.18% |
| ZINA OSTER3 | 3153 FOREST DR CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.07% |
| BRIAN T MURPHY LLC3 | 5002 47TH AVE SW SEATTLE, WA 98136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.05% |
| CASSANDRA KRAMER3 | 1465 N AUGUST DR. SARATOGA SPGS, UT 84045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PROVIDENCE HEALTH PLAN | 291 | $3.0M |
| Dental | KAISER FOUNDATION HEALTH PLAN, INC. | 6 | $40K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 194 | $64K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $135K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $135K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.