| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, LLC | PO BOX 784 SPRINGFIELD, OR 97477 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $15K | $595 | $16K | 2.68% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, LLC | PO BOX 784 SPRINGFIELD, OR 97477 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.95% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, LLC | 111 GATEWAY LOOP SPRINGFIELD, OR 97477 | PRINCIPAL LIFE INSURANCE COMPANY | $649 | $122 | $771 | 10.84% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, LLC | PO BOX 784 SPRINGFIELD, OR 97477 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $276 | $0 | $276 | 9.80% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 29 SPRINGFIELD, OR 97477 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $146 | $86 | $232 | 8.24% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 122 | $596K |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 82 | $29K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 129 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $3K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 122 | $596K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.