| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE LLC | PO BOX 784 SPRINGFIELD, OR 97477 | AETNA LIFE INSURANCE COMPANY | $0 | $17K | $17K | 2.85% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE LLC | PO BOX 784 SPRINGFIELD, OR 97477 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.18% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | 1111 GATEWAY LOOP SPRINGFIELD, OR 97477 | PRINCIPAL LIFE INSURANCE COMPANY | $351 | $0 | $351 | 0.86% |
| BEVERLY JEAN SCHUSTER3 | 134 SHARON DRIVE PHOENIX, OR 97535 | AFLAC | $2K | $0 | $2K | 6.47% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 29 SPRINGFIELD, OR 97477 | AFLAC | $1K | $0 | $1K | 4.15% |
| NOAH BAILEY3 | 201 WEST MAIN STREET, SUITE 4A MEDFORD, OR 97501 | AFLAC | $1K | $0 | $1K | 3.87% |
| DEBBIE HODGSON3 Filed as: DEBBIE L. HODGSON | 360 TUNNEL CREEK ROAD GRANTS PASS, OR 97526 | AFLAC | $884 | $0 | $884 | 2.97% |
| MJ INSURANCE3 Filed as: KEEFE BURCHER AND VARIOUS AGENTS | 3221 ROGUE RIVER HIGHWAY, SUITE 4A GOLD HILL, OR 97525 | AFLAC | $577 | $0 | $577 | 1.94% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | 975 OAK STREET, SUITE 900 EUGENE, OR 97401 | AFLAC | $536 | $0 | $536 | 1.80% |
| JONATHAN N GEALON3 Filed as: JONATHAN GEALON | 523 BEEBE ROAD CENTRAL POINT, OR 97502 | AFLAC | $511 | $0 | $511 | 1.72% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 784 SPRINGFIELD, OR 97477 | OREGON DENTAL SERVICES DBA DELTA DENTAL PLAN OF OREGON | $712 | $0 | $712 | 3.00% |
| BONNIE J. LEWIS3 Filed as: BONNIE LEWIS | PO BOX 95632 LAS VEGAS, NV 89193 | AFLAC | $13 | $0 | $13 | 4.78% |
| FORREST LEAL3 | PO BOX 185 LIMA, MT 59739 | AFLAC | $12 | $0 | $12 | 4.41% |
| ROGER L OLSON3 Filed as: ROGER OLSON | 471 DAVIS LAKE ROAD USK, WA 99180 | AFLAC | $5 | $0 | $5 | 1.84% |
| SCOTT NIELSEN3 Filed as: SCOTT NEILSEN | 718B WEST FOURTH PLAIN BOULEVARD VANCOUVER, WA 98660 | AFLAC | $2 | $0 | $2 | 0.74% |
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 | 94 | 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) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 98 | $614K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $65K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $41K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $41K |
| Short-term disability(2 contracts) | AFLAC | 22 | $30K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 98 | $614K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.