| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEN J KALINA3 Filed as: BEN KALINA | STE 101 3140 JUANIPERO MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $3K | $770 | $4K | 3.50% |
| LARRY P HILDEBRANDT3 | STE 101 3140 JUANIPERO WAY MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $2K | $513 | $3K | 2.34% |
| CAM GROUP LLC3 | STE 1600 200 SW MARKET ST PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $1K | $122 | $1K | 1.04% |
| BEN J KALINA3 Filed as: BEN KALINA | STE 101 3140 JUANIPERO WAY MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $1K | $440 | $1K | 7.22% |
| LARRY P HILDEBRANDT3 | STE 101 3140 JUANIPERO WAY MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $691 | $174 | $865 | 4.23% |
| CAM GROUP LLC3 | STE 1600 200 SW MARKET ST PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $345 | $41 | $386 | 1.89% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 137 | $20K |
| Long-term disability | NORTHWESTERN MUTUAL | 137 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.