| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASCADE INSURANCE CENTER LLC3 Filed as: CASCADE INSURANCE CNETER LLC | 1201 NW WALL ST STE 100 BEND, OR 97701 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.33% |
| CASCADE INSURANCE CENTER LLC3 | 1201 NW WALL ST STE 100 BEND, OR 97701 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.15% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | WILLAMETTE DENTAL INSURANCE INC | $1K | $3K | $4K | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIRST CHOICE HEALTH EIN 91-1272766 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $69K |
| CU BENEFITS ALLIANCE EIN 61-1691027 BROKER | Insurance agents and brokers Service code 22 | — | $31K |
| GUARDIAN LIFE INSURANCE EIN 13-5123390 CLAIMS PROCESSING | Claims processing Service code 12 | — | $7K |
| NAVIA BENEFITS EIN 91-1467758 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $4K |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL INSURANCE INC | 45 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 118 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 118 | $46K |
| Other | CANOPY | 131 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.