| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE | 1111 GATEWAY LOOP SPRINGFIELD, OR 97477 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $44K | $44K | 3.06% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE | PO BOX 784 SPRINGFIELD, OR 97477 | WILLAMETTE DENTAL INSURANCE, INC. | $4K | $0 | $4K | 5.00% |
| LISA BILGEN DE HERRERA3 | 14830 AIRLIE ROAD MONMOUTH, OR 97361 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 16.57% |
| MICHAEL LEROY ALLEY3 | 5285 MEADOWS ROAD, SUITE 370 LAKE OSWEGO, OR 97035 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $4K | 6.81% |
| GORDON FREDERICK WOLLEN3 Filed as: GORDON WOLLEN AND MISC. AGENTS | PO BOX 846 CANNON BEACH, OR 97110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $259 | $2K | 4.10% |
| MARCI TALBURT3 | 4721 AZALEA GLEN ROAD GLENDALE, OR 99744 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $167 | $1K | 2.47% |
| DOUGLAS TODD KARTUB3 | 1455 RUSSET DRIVE EUGENE, OR 97401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $751 | $22 | $773 | 1.30% |
| JULIE WOLDEN3 | 2231 LARCH STREET LONGVIEW, WA 98632 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $659 | $45 | $704 | 1.18% |
| NATASHA OTIS3 | 775 SW WASHINGTON AVENUE, SUITE 3 CORVALLIS, OR 97333 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $591 | $15 | $606 | 1.02% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE | 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 | PO BOX 784 SPRINGFIELD, OR 97477 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE | PO BOX 784 SPRINGFIELD, OR 97477 | HARTFORD LIFE AND ACCIDENT | $541 | $0 | $541 | 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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $1.4M |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL INSURANCE, INC. | 190 | $104K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 123 | $16K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 165 | $65K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 95 | $60K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $1.4M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 165 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.