| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 975 OAK STREET, SUITE 900 EUGENE, OR 97401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.02% |
| CORRIE PERSING3 | PO BOX 663 MANZANITA, OR 97130 | AFLAC | $4K | $11 | $4K | 5.65% |
| RICK M MCKINNEY3 Filed as: RICK MCKINNEY AND OTHER AGENTS | 300 RIVERWALK TERRACE, SUITE 260 JENKS, OK 74037 | AFLAC | $2K | $106 | $2K | 3.81% |
| JASON PERKINS3 Filed as: JASON PERKINS, LLC | 1308 WEST SEASCAPE DRIVE GILBERT, AZ 85233 | AFLAC | $704 | $26 | $730 | 1.16% |
| DAVID LOVELL REID3 Filed as: DAVID REID | 4924 CEDAR STREET ASTORIA, OR 97103 | AFLAC | $355 | $0 | $355 | 0.56% |
| VIRGINIA L KNOPSKI3 Filed as: VIRGINIA KNOPSKI | 3900 NE 97TH AVENUE VANCOUVER, WA 98662 | AFLAC | $218 | $0 | $218 | 0.35% |
| WENDI DOWNING3 | PO BOX 1041 TILLAMOOK, OR 97141 | AFLAC | $202 | $0 | $202 | 0.32% |
| SCOTT NIELSEN3 | 718B WEST FOURTH PLAIN BOULEVARD VANCOUVER, WA 98660 | AFLAC | $201 | $0 | $201 | 0.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.37% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $663K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $726K |
| Vision(2 contracts, 2 carriers) | AFLAC | 158 | $91K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 158 | $91K |
| Short-term disability | AFLAC | 64 | $63K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $663K |
| Other | AFLAC | 64 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.