| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | 1111 GATEWAY LOOP SPRINGFIELD, OR 97477 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $731 | $4K | 10.08% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 784 SPRINGFIELD, OR 97477 | OREGON DENTAL SERVICES DBA DELTA DENTAL PLAN OF OREGON | $689 | $0 | $689 | 3.06% |
| NOAH BAILEY3 | 201 WEST MAIN STREET, SUITE 4A MEDFORD, OR 97501 | AFLAC | $305 | $0 | $305 | 2.38% |
| BEVERLY JEAN SCHUSTER3 | 134 SHARON DRIVE PHOENIX, OR 97535 | AFLAC | $297 | $0 | $297 | 2.32% |
| DEBBIE HODGSON3 Filed as: DEBBIE L. HODGSON | 360 TUNNEL CREEK ROAD GRANTS PASS, OR 97526 | AFLAC | $282 | $0 | $282 | 2.20% |
| BRIAN T. CATCHINGS3 | 560 GARFIELD STREET MEDFORD, OR 97501 | AFLAC | $220 | $0 | $220 | 1.72% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 29 SPRINGFIELD, OR 97477 | AFLAC | $159 | $0 | $159 | 1.24% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 975 OAK STREET, SUITE 900 EUGENE, OR 97401 | AFLAC | $111 | $0 | $111 | 0.87% |
| KEEFE BURCHER3 Filed as: KEEFE P. BURCHER | 3221 ROGUE RIVER HIGHWAY, SUITE 4A GOLD HILL, OR 97525 | AFLAC | $64 | $0 | $64 | 0.50% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 29 SPRINGFIELD, OR 97477 | AFLAC | $30 | $0 | $30 | 2.61% |
| BEVERLY JEAN SCHUSTER3 | 134 SHARON DRIVE PHOENIX, OR 97535 | AFLAC | $22 | $0 | $22 | 1.92% |
| NOAH BAILEY3 | 201 WEST MAIN STREET, SUITE 4A MEDFORD, OR 97501 | AFLAC | $15 | $0 | $15 | 1.31% |
| BONNIE J. LEWIS3 | PO BOX 95632 LAS VEGAS, NV 89193 | AFLAC | $13 | $0 | $13 | 1.13% |
| FORREST LEAL3 | PO BOX 185 LIMA, MT 59739 | AFLAC | $12 | $0 | $12 | 1.05% |
| BRIAN T. CATCHINGS3 Filed as: BRIAN T. CATCHINGS AND OTHER AGENTS | 560 GARFIELD STREET MEDFORD, OR 97501 | AFLAC | $6 | $0 | $6 | 0.52% |
| ROBER L. OLSON3 | 12105 EAST VIA LOMA VIS YUMA, AZ 85367 | AFLAC | $5 | $0 | $5 | 0.44% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $62K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $39K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $39K |
| Short-term disability(2 contracts) | AFLAC | 15 | $14K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.