| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, LLC | PO BOX 784 SPRINGFIELD, OR 97477 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.75% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $545 | $545 | 1.41% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $64 | $64 | 0.17% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, LLC | PO BOX 784 SPRINGFIELD, OR 97477 | WILLAMETTE DENTAL INSURANCE, INC. | $1K | $0 | $1K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, LLC | PO BOX 784 SPRINGFIELD, OR 97477 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 12.00% |
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE SUITE 400 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 5.12% |
| MARY GOMEZ3 | 1260 WEST 11TH AVENUE DENVER, CO 80204 | AFLAC | $622 | $194 | $816 | 7.32% |
| RYAN GEORGE KRUIT3 | 612 SE GLENEDEN PLACE BEND, OR 97702 | AFLAC | $340 | $44 | $384 | 3.44% |
| CHARLES N. ENDICOTT3 | 1188 NE 27H STREET UNIT 46 BEND, OR 97701 | AFLAC | $316 | $0 | $316 | 2.83% |
| JAMES S SARANTIS3 Filed as: JAMES S. SARANTIS | 14132 SE FIRCREST COURT PORTLAND, OR 97236 | AFLAC | $142 | $41 | $183 | 1.64% |
| RICHARD J ROSS3 Filed as: RICHARD J. ROSS | 1337 NE BARNEY STREET PRINEVILLE, OR 97754 | AFLAC | $105 | $35 | $140 | 1.26% |
| SCOTT ROBERT STORJOHANN3 Filed as: SCOTT ROBERT STORJOHANN AND OTHERS | 10110 EATON STREET WESTMINSTER, CO 80020 | AFLAC | $114 | $0 | $114 | 1.02% |
| BRADLEY R. SWANK3 | 452 ISLAND HOUSE PATH THE VILLAGES, FL 32163 | AFLAC | $68 | $0 | $68 | 0.61% |
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 | 1 | 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) | MASA MEDICAL TRANSPORT SOLUTIONS | 45 | $0 |
| Dental(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 64 | $78K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 59 | $39K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 97 | $36K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 97 | $36K |
| Prescription drug | MASA MEDICAL TRANSPORT SOLUTIONS | 45 | $0 |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 109 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.