| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP O MCGUIGAN3 Filed as: PHILIP MCGUIGAN | 87730 GREEN HILL ROAD EUGENE, OR 97402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 2.54% |
| RICHARD E. SYFERT3 Filed as: RICHARD SYFERT | PO BOX 2079 JASPER, OR 97438 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.76% |
| VINCENT BRIAN VOLLMAR3 Filed as: VINCENT VOLMAR | 3230 DOGWOOD DRIVE S SALEM, OR 97302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $682 | $0 | $682 | 0.28% |
| JOHNNY ROBBINS3 | 3057 BAILEY HILL ROAD EUGENE, OR 97405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $524 | $0 | $524 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.01% |
| J.L. JONES AND ASSOCIATES3 Filed as: J L JONES & ASSOCIATES | PO BOX 1657 SPRINGFIELD, OR 97477 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.87% |
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 | 321 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 323 | $164K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 323 | $164K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 323 | $164K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 323 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.