| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LA PORTE AND ASSOCIATES INC3 Filed as: LA PORTE & ASSOCIATES INC. | 5515 SE MILWAUKIE AVE PORTLAND, OH 97202 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $79K | $6K | $86K | 4.93% |
| LA PORTE AND ASSOCIATES INC3 Filed as: LA PORTE AND ASSOCIATES | 55515 SE MILWAUKIE AVE PORTLAND, OR 97202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 12.59% |
| LA PORTE AND ASSOCIATES INC3 Filed as: LA PORTE AND ASSOCIATES, INC. | 5515 SE MILWAUKIE AVE PORTLAND, OR 97202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 15.00% |
| LAPORTE & ASSOCIATES, INC3 Filed as: LAPORTE & ASSOCIATES INC | 5515 SE MILWAUKIE AVE PORTLAND, OR 97202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 10.00% |
| LA PORTE AND ASSOCIATES INC3 | 5515 SE MILWAUKIE AVE PORTLAND, OR 97202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 10.00% |
| LA PORTE AND ASSOCIATES INC3 Filed as: LA PORTE AND ASSOCIATES INC. | 5515 SE MILWAUKIE AVE PORTLAND, OR 97202 | AMERITAS LIFE INSURANCE CORP | $2K | $386 | $2K | 12.48% |
| LA PORTE AND ASSOCIATES INC3 Filed as: LA PORTE & ASSOCIATES INC | 5515 SE MILWAUKIE AVE PORTLAND, OR 972024900 | AMERITAS LIFE INSURANCE CORP. | $5K | $316 | $5K | 40.33% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 314 | $1.7M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 144 | $13K |
| Vision | AMERITAS LIFE INSURANCE CORP | 242 | $16K |
| Life insurance(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $49K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $26K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.