| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEN J KALINA3 | STE 201 3140 JUANIPERO WAY MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $3K | $817 | $4K | 2.66% |
| LARRY P HILDEBRANDT3 | STE 201 3140 JUANIPERO WAY MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $2K | $544 | $3K | 1.77% |
| CAM GROUP LLC3 | STE 1600 200 SW MARKET ST PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $964 | $116 | $1K | 0.71% |
| CHANTEL BONNEAU STEWART3 | 655 W BROADWAY STE 1700 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $58 | $21 | $79 | 0.05% |
| TOM STEWART IN SOL INC3 | 655 W BROADWAY STE 1700 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $58 | $7 | $65 | 0.04% |
| BEN J KALINA3 | STE 201 MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $1K | $555 | $2K | 6.05% |
| LARRY P HILDEBRANDT3 | STE 201 3140 JUANIPERO WAY MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $870 | $219 | $1K | 3.54% |
| CAM GROUP LLC3 | STE 1600 200 SW MARKET ST PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $295 | $35 | $330 | 1.07% |
| CHANTEL BONNEAU STEWART3 | 655 W BROADWAY STE 1700 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $70 | $25 | $95 | 0.31% |
| TOM STEWART IN SOL INC3 | 655 W BROADWAY STE 1700 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $70 | $8 | $78 | 0.25% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 161 | $31K |
| Long-term disability | NORTHWESTERN MUTUAL | 161 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.