| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OREGON | PO BOX 29018 PORTLAND, OR 97296 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $74K | $74K | 3.28% |
| K.P.D. INSURANCE, LLC3 Filed as: K P D INSURANCE LLC | PO BOX 784 SPRINGFIELD, OR 97477 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$4K | -$4K | -0.19% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF OREGON, LLC | PO BOX 29018 PORTLAND, OR 97229 | WILLAMETTE DENTAL INSURANCE, INC. | $4K | — | $4K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 743061 LOS ANGELES, CA 90074 | THE LINCOLN NATIONAL INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL INSURANCE COMPANY | — | $375 | $375 | 0.72% |
| HEARTEASE LLC3 | 1521 NE 63RD AVE BILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 8.84% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $552 | $2K | 4.64% |
| WORKSITE BENEFITS GROUP INC3 | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $393 | $1K | $2K | 4.44% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE | NOT PROVIDED PORTLAND, OR 97296 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $810 | $608 | $1K | 3.99% |
| LISA BILGEN DE HERRERA3 | 14830 AIRLIE RD MONMOUTH, OR 97361 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.63% |
| MARCI TALBURT3 | 4721 AZALEA GLEN RD GLENDALE, OR 97442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | $20 | $297 | 0.84% |
| MICHAEL LEROY ALLEY3 Filed as: MICHAEL ALLEY | 2189 SE 12TH AVE CANBY, OR 97013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 0.49% |
| STEPHANIE HANSEN3 | 20144 GINA MARIE LN BURLINGTON, WA 98233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.26% |
| JASON STUBBS3 | PO BOX 867 CRESWELL, OR 97426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.12% |
| WILLIAM MARQUESS3 | 575 SWEET GUM LN EUGENE, OR 97401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.12% |
| CHRISTINE LYNN MORGESTER3 Filed as: CHRISTINE MORGESTER | 14912 S SUNTERRA LOOP OREGON CITY, OR 97296 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| JOEL SAMANDARI LUCAS3 Filed as: JOEL LUCAS | 2129 S BELAIR DR MOSES LAKE, WA 98837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| AMBER MACCABEE3 | PO BOX 861 PLEASANT HILL, OR 97455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $3 | $10 | 0.03% |
| QUEST BENEFITS GROUP INC3 | 2189 SOUTHEAST 12TH AVE CANBY, OR 97013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| RAQUEL MONROY3 | 817 NE DELP RD CAMAS, WA 98607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| ZACHAREE KEITH SIAHPUSH3 Filed as: ZACHAREE SIAHPUSH | 33 SE 71ST AVE PORTLAND, OH 97215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.02% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF OREGON LLC | P.O. BOX 29018 PORTLAND, OR 97296 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.81% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 29018 PORTLAND, OR 97229 | HARTFORD LIFE AND ACCIDENT | $860 | — | $860 | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $176 | $176 | 2.05% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS STE 400 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | — | $143 | $143 | 1.66% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 167 | $2.3M |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL INSURANCE, INC. | 159 | $126K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $20K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 176 | $9K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,483 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,483 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.