| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE | PO BOX 784 SPRINGFIELD, OR 97477 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.58% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD. INSURANCE, INC. | PO BOX 29 SPRINGFIELD, OR 97477 | WILLAMETTE DENTAL INSURANCE, INC. | $2K | $0 | $2K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 29 SPRINGFIELD, OR 97477 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.90% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE LLC | PO BOX 784 SPRINGFIELD, OR 97477 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$349 | $0 | -$349 | -1.49% |
| CHARLES N. ENDICOTT3 | 1188 NORTHEAST 27TH STREET SUITE 46 BEND, OR 97701 | AFLAC | $552 | $0 | $552 | 7.05% |
| RYAN GEORGE KRUIT3 | 612 SOUTHEAST GLENEDEN PLACE BEND, OR 97702 | AFLAC | $153 | $0 | $153 | 1.95% |
| SCOTT ROBERT STORJOHANN3 | 10110 EATON STREET WESTMINSTER, CO 80020 | AFLAC | $71 | $0 | $71 | 0.91% |
| BRADLEY R. SWANK3 | PO BOX 872 SPRINGFIELD, OR 97477 | AFLAC | $62 | $0 | $62 | 0.79% |
| MJ INSURANCE3 Filed as: PATRICIA J. GEE & VARIOUS AGENTS | PO BOX 2334 MESA, AZ 85214 | AFLAC | $61 | $0 | $61 | 0.78% |
| RICHARD J ROSS3 Filed as: RICHARD J. ROSS | 1337 NORTHEAST BARNEY STREET PRINEVILLE, OR 97754 | AFLAC | $58 | $0 | $58 | 0.74% |
| GUY R SOUTER3 Filed as: GUY R. SOUTER | 1930 VILLAGE CENTER CIRCLE SUITE 3, PMB 5962 LAS VEGAS, NV 89134 | AFLAC | $32 | $0 | $32 | 0.41% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MASA MEDICAL TRANSPORT SOLUTIONS | 47 | $0 |
| Dental(3 contracts, 3 carriers) | WILLAMETTE DENTAL INSURANCE, INC. | 77 | $62K |
| Vision | KANSAS CITY LIFE INSURANCE COMPANY | 100 | $43K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 100 | $51K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 100 | $51K |
| Other(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 126 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.