| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 825 NE MULTNOMAH STREET, SUITE 1500 PORTLAND, OR 97232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $9K | 4.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 4.85% |
| ROBERT ALLEN WHEELER3 Filed as: ROBERT A. WHEELER | 645 NW EVE DRIVE DALLAS, OR 97338 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.49% |
| VINCENT BRIAN VOLLMAR3 Filed as: VINCENT B. VOLLMAR | 3230 DOGWOOD DRIVE SOUTH SALEM, OR 97302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.11% |
| CHERYL DOWNING3 | 496 INVERNESS DRIVE SE SALEM, OR 97306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $786 | $0 | $786 | 0.66% |
| JOHN R. WALLIN3 | 4135 MANDY AVENUE SE SALEM, OR 97302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $629 | $0 | $629 | 0.53% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203026 DALLAS, TX 75320 | VISION SERVICE PLAN | $985 | $0 | $985 | 2.03% |
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 | 663 | 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) | 663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL INSURANCE, INC. | 186 | $80K |
| Vision | VISION SERVICE PLAN | 460 | $48K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 459 | $221K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 459 | $221K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 459 | $221K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 663 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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.