| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 29 SPRINGFIELD, OR 97477 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $39K | $39K | 3.09% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 29 SPRINGFIELD, OR 97477 | WILLAMETTE DENTAL INSURANCE, INC. | $4K | $0 | $4K | 5.00% |
| LISA BILGEN DE HERRERA3 | 2900 CHAPEL DRIVE CORVALLIS, OR 97333 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $14K | $25K | 51.86% |
| MICHAEL LEROY ALLEY3 | 5285 MEADOWS ROAD, SUITE 370 LAKE OSWEGO, OR 97035 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $6K | $9K | 18.78% |
| TIM WOOTEN AND OTHER AGENTS3 | 1051 HOLLOW WAY EUGENE, OR 97457 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 10.38% |
| MARCI TALBURT3 Filed as: MARCI ANNE TALBURT | 4721 AZALEA GLEN ROAD GLENDALE, OR 99744 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $899 | $3K | 5.80% |
| JULIE WOLDEN3 | 2231 LARCH STREET LONGVIEW, WA 98632 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $138 | $2K | 3.42% |
| KAYLA HUSEN3 | 515 NW SALTZMAN ROAD PORTLAND, OR 97229 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $65 | $1K | 2.42% |
| DONALD TALBURT3 | 4721 AZALEA GLEN ROAD GLENDALE, OR 97442 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.40% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 29 SPRINGFIELD, OR 97477 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 29 SPRINGFIELD, OR 97477 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.96% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 784 SPRINGFIELD, OR 97477 | HARTFORD LIFE AND ACCIDENT | $492 | $0 | $492 | 10.00% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $1.3M |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL INSURANCE, INC. | 219 | $102K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 139 | $17K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 120 | $53K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 120 | $48K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $1.3M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 120 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.