| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.L. JONES AND ASSOCIATES3 | PO BOX 733835 DALLAS, TX 75373 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | $134K | $155K | 2.83% |
| J.L. JONES AND ASSOCIATES3 | PO BOX 1657 SPRINGFIELD, OR 97477 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | $0 | $31K | 11.96% |
| JEFFREY JONES3 | PO BOX 1657 SPRINGFIELD, OR 97477 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 2.97% |
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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 38 | $207K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 490 | $5.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 490 | $5.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $261K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $261K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $261K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 38 | $207K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.