| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEN J KALINA3 Filed as: BEN KALINA | 3140 JUANIPERO WAY MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $3K | $828 | $4K | 2.79% |
| LARRY P HILDEBRANDT3 | 3140 JUANIPERO WAY MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $2K | $552 | $3K | 1.86% |
| TOM STEWART IN SOL INC3 | 655 W BROADWAY STE 1700 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $548 | $66 | $614 | 0.42% |
| CHANTEL BONNEAU STEWART3 | 655 W BROADWAY STE 1700 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $46 | $165 | $211 | 0.14% |
| ASHLEY P HEDUM3 | 200 SW MARKET STREET PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $88 | $32 | $120 | 0.08% |
| BEN J KALINA3 | 3140 JUANIPERO WAY STE 201 MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $1K | $562 | $2K | 6.27% |
| LARRY P HILDEBRANDT3 | 3140 JUANIPERO WAY STE 201 MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $881 | $222 | $1K | 3.67% |
| TOM STEWART IN SOL INC3 | 655 W BROADWAY STE 1700 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $220 | $26 | $246 | 0.82% |
| CHANTEL BONNEAU STEWART3 | 655 W BROADWAY STE 1700 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $117 | $42 | $159 | 0.53% |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 166 | $30K |
| Long-term disability | NORTHWESTERN MUTUAL | 166 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.