| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JD FULWILER AND COMPANY3 | 5727 SE MACADAM AVENUE PORTLAND, OR 97329 | PROVIDENCE HEALTH PLAN | $81K | $0 | $81K | 2.00% |
| JD FULWILER AND COMPANY3 | 5727 SE MACADAM AVENUE PORTLAND, OR 97329 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.02% |
| JD FULWILER AND COMPANY3 | 5727 SE MACADAM AVENUE PORTLAND, OR 97329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $0 | $17K | 9.52% |
| MARGARET BRYANT3 | 18014 SE BELMORE AVENUE LAKE OSWEGO, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $3K | $17K | 9.51% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 2.31% |
| KAREN CLAY KUNKLER3 | 1709 NW 45TH AVENUE CAMAS, WA 98607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $500 | $2K | 1.02% |
| ISAACSON INSURANCE AGENCY LLC3 Filed as: ISAACSON INSURANCE AGENCY, LLC | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $75 | $1K | 0.80% |
| CHRISTINE LYNN MORGESTER3 | 14913 SOUTH SUNTERRA LOOP OREGON CITY, OR 97045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $726 | $0 | $726 | 0.42% |
| HEARTSEASE LLC3 Filed as: HEARTSEASE, LLC AND OTHER AGENTS | 1521 NE 63RD AVENUE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $7 | $46 | 0.03% |
| JD FULWILER AND COMPANY3 | 5727 SE MACADAM AVENUE PORTLAND, OR 97329 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.79% |
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 | 363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 472 | $4.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 635 | $184K |
| Vision | VISION SERVICE PLAN | 248 | $29K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 635 | $359K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 153 | $175K |
| Prescription drug | PROVIDENCE HEALTH PLAN | 472 | $4.1M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 635 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.