| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 200 SW MARKET STREET PORTLAND, OR 97201 | COLONIAL LIFE & ACCIDENT INS COMPANY | $24K | — | $24K | 8.15% |
| PREMIER WORKSITE SOLUTIONS INC3 | 806 NW 79TH ST VANCOUVER, WA 98665 | COLONIAL LIFE & ACCIDENT INS COMPANY | $5K | $5K | $10K | 3.37% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INS COMPANY | $6K | $2K | $7K | 2.53% |
| HEARTEASE LLC3 | 1521 NE 63RD AVE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INS COMPANY | $1K | $1K | $3K | 0.86% |
| SUSAN J LEACH3 | 4419 NE 131ST PLACE PORTLAND, OR 97230 | COLONIAL LIFE & ACCIDENT INS COMPANY | $2K | $249 | $2K | 0.64% |
| JEFFREY JOSEPH GRIFFIN3 | 33 N CENTRAL AVE MEDFORD, OR 97501 | COLONIAL LIFE & ACCIDENT INS COMPANY | $1K | $458 | $1K | 0.50% |
| JAN N HEIMBAUGH3 Filed as: JAN MYERS | 810 NE HOLLY ST MYRTLE CREEK, OR 97457 | COLONIAL LIFE & ACCIDENT INS COMPANY | $1K | $132 | $1K | 0.44% |
| GABRIEL ANGEL CANALS3 | 350 E DOGWOOD AVE, APT A HERMISTON, OR 97838 | COLONIAL LIFE & ACCIDENT INS COMPANY | $618 | $318 | $936 | 0.32% |
| JULIE KAY SPINUZZI3 | 952 SW HILL ST BEND, OR 97702 | COLONIAL LIFE & ACCIDENT INS COMPANY | $778 | — | $778 | 0.26% |
| DARL CORNMAN3 | 18399 SW 133RD TERRACE TUALATIN, OR 97062 | COLONIAL LIFE & ACCIDENT INS COMPANY | $583 | $70 | $653 | 0.22% |
| JOHN KEVIN CORNETT3 | 2069 NW PINOT CT BEND, OR 97701 | COLONIAL LIFE & ACCIDENT INS COMPANY | $186 | $288 | $474 | 0.16% |
| KATHERINE NEVILLE AND MISC AGENTS3 Filed as: KATHERINE HULT NEVILLE | 708 CARDLEY AVE MEDFORD, OR 97504 | COLONIAL LIFE & ACCIDENT INS COMPANY | $343 | — | $343 | 0.12% |
| RONALD MORRIS3 | 518 WASHINGTON ST ASHLAND, OR 97520 | COLONIAL LIFE & ACCIDENT INS COMPANY | $202 | $131 | $333 | 0.11% |
| KAREN CLAY KUNKLER3 | 1709 NW 45TH AVENUE CAMAS, WA 98607 | COLONIAL LIFE & ACCIDENT INS COMPANY | $184 | $30 | $214 | 0.07% |
| JEFF EDWARDS3 | 20845 NW KACHINA AVE REDMOND, OR 97756 | COLONIAL LIFE & ACCIDENT INS COMPANY | $133 | — | $133 | 0.04% |
| RITA J ROBINSON3 Filed as: RITA ROBINSON | 21780 WILLAMETTE DRIVE WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INS COMPANY | $34 | $40 | $74 | 0.03% |
| DEBORAH WILLIAMS TOOLE SHULL3 | COLONIAL LIFE HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INS COMPANY | $52 | — | $52 | 0.02% |
| JERRY BLAISDELL3 | 3275 HYACINTH MEDFORD, OR 97501 | COLONIAL LIFE & ACCIDENT INS COMPANY | $47 | — | $47 | 0.02% |
| KAREN BOHLER3 | 12810 PRIMROSE LANE EDED PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INS COMPANY | $33 | $10 | $43 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INS COMPANY | $34 | — | $34 | 0.01% |
| JEFFREY TATHWELL3 | 1521 SE 63RD AVE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INS COMPANY | $22 | — | $22 | 0.01% |
| VOLUNTARY BENEFITS SOL LLC3 Filed as: VOLUNTARY BENEFIT SOLUTIONS INC | 12555 SOUTHWEST FIRST ST BEAVERTON, OR 97005 | COLONIAL LIFE & ACCIDENT INS COMPANY | $20 | $1 | $21 | 0.01% |
| SHANNON F WHITE3 | 1910 DELMONT ST WALLA WALLA, WA 99362 | COLONIAL LIFE & ACCIDENT INS COMPANY | $20 | — | $20 | 0.01% |
| ROSA OUREN3 | 1026 CONCORD WAY PROSSER, WA 99350 | COLONIAL LIFE & ACCIDENT INS COMPANY | $15 | — | $15 | 0.01% |
| MARK J ROBISON3 | 1026 CONCORD WAY PROSSER, WA 99350 | COLONIAL LIFE & ACCIDENT INS COMPANY | $15 | — | $15 | 0.01% |
| TRESSA GIRT3 | 4400 SE NAEF RD MILWAUKIE, OR 97267 | COLONIAL LIFE & ACCIDENT INS COMPANY | $6 | — | $6 | 0.00% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INS COMPANY | $3 | $3 | $6 | 0.00% |
| ROBERT MILES WEST3 | 1277 ROCKINGHORSE LANE LAKE OSWEGO, OR 97034 | COLONIAL LIFE & ACCIDENT INS COMPANY | $5 | — | $5 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID E WYATT | 1011 N 49TH AVE OMAHA, NE 68132 | COLONIAL LIFE & ACCIDENT INS COMPANY | $2 | $1 | $3 | 0.00% |
| SANDRA J RUNION3 | 104 SIR EDWARDS LANE LEXINGTON, KY 29072 | COLONIAL LIFE & ACCIDENT INS COMPANY | $2 | — | $2 | 0.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 200 SW MARKET ST STE 1600 PORTLAND, OR 97201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 14.05% |
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 | 607 | 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) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INS COMPANY | 607 | $296K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INS COMPANY | 607 | $296K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.