| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.L. JONES AND ASSOCIATES3 | PO BOX 1657 SPRINGFIELD, OR 97477 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 9.80% |
| PHILIP O MCGUIGAN3 Filed as: PHILIP O. MCGUIGAN | PO BOX 24021 EUGENE, OR 97402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 9.67% |
| RICHARD E. SYFERT3 Filed as: RICHARD ERIC SYFERT | 86195 PANORAMA ROAD SPRINGFIELD, OR 97478 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.42% |
| JOHNNY WAYNE ROBBINS3 Filed as: JOHNNY WAYNES ROBBINS | 29744 AWBREY LANE EUGENE, OR 97402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.15% |
| VINCENT BRIAN VOLLMAR3 | 3170 DOGWOOD DRIVE SOUTH SALEM, OR 97302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $479 | $0 | $479 | 0.35% |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 330 | $154K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 330 | $154K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 330 | $154K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 330 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.