| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $8K | $70K | $77K | 5.10% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $23K | $0 | $23K | 1.50% |
| BENNIE INSURANCE, LLC3 | 200 BROADWAY, FLOOR 3 NEW YORK, NY 10038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.75% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE, INC. | PO BOX 62949 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 6.85% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, FLOOR 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.81% |
| MARCI MARIE OTIS | 200 JULINA LANE ROSEBURG, OR 97471 | AFLAC | $364 | $0 | $364 | 6.41% |
| CAROL A. KENYON3 | 1645 CKEVELAND HILL ROAD ROSEBURG, OR 97471 | AFLAC | $274 | $0 | $274 | 4.82% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDINGS COMPANY | 975 OAK STREET, SUITE 900 EUGENE, OR 97401 | AFLAC | $55 | $0 | $55 | 0.97% |
| LARRY A MORRIS3 Filed as: LARRY A. MORRIS AND OTHER AGENTS | 259 SOUTH SEQUOIA PARKWAY SUITE K093 CANBY, OR 97013 | AFLAC | $54 | $0 | $54 | 0.95% |
| JEROME E. CILLEY3 | 2683 EAST WILSHIRE DRIVE EUGENE, OR 97405 | AFLAC | $45 | $0 | $45 | 0.79% |
| NOAH BAILEY3 | 201 WEST MAIN STREET, SUITE 4A MEDFORD, OR 97501 | AFLAC | $37 | $0 | $37 | 0.65% |
| VINCENT BRIAN VOLLMAR3 | 4085 HAGER STREET SE SUITE 300 SALEM, OR 97317 | AFLAC | $32 | $0 | $32 | 0.56% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 201 | $1.5M |
| Dental | WILLAMETTE DENTAL INSURANCE, INC. | 121 | $61K |
| Vision | VISION SERVICE PLAN | 127 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $95K |
| Short-term disability | AFLAC | 6 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $95K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 201 | $1.5M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.