| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.L. JONES AND ASSOCIATES3 Filed as: J.L. JONES INSURANCE SERVICES, LLC | PO BOX 733835 DALLAS, TX 75373 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | $142K | $162K | 2.66% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, LLC | 1111 GATEWAY LOOP SPRINGFIELD, OR 97477 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $8K | $8K | 0.13% |
| J.L. JONES AND ASSOCIATES3 Filed as: J.L. JONES INSURANCE SERVICES, LLC | PO BOX 1657 SPRINGFIELD, OR 97477 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $0 | $26K | 10.39% |
| IMA, INC.3 Filed as: PARKER SMITH & FEEK, AN IMA COMPANY | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 0.49% |
| JEFFREY JONES3 | PO BOX 1657 SPRINGFIELD, OR 97477 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | $0 | $6K | 3.32% |
| J.L. JONES AND ASSOCIATES3 Filed as: J.L. JONES INSURANCE SERVICES, LLC | PO BOX 733835 DALLAS, TX 75373 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
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 | 561 | 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) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 455 | $6.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 455 | $6.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 455 | $6.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 561 | $249K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 561 | $249K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 561 | $249K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 27 | $187K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 561 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.