| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JD FULWILER AND COMPANY3 | 5727 SOUTH MACADAM AVENUE PORTLAND, OR 97239 | PROVIDENCE HEALTH PLAN | $80K | — | $80K | 1.00% |
| JD FULWILER AND COMPANY3 | 5727 SW MACADAM AVENUE PORTLAND, OR 97239 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $5K | $12K | 4.66% |
| MARGARET BRYANT3 | 18014 BELMORE AVENUE LAKE OSWEGO, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $1K | $17K | 10.02% |
| JD FULWILER AND COMPANY3 | 5727 SW MACADAM AVENUE PORTLAND, OR 97239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $0 | $17K | 9.66% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 3.05% |
| ISAACSON INSURANCE AGENCY LLC3 | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $608 | $7 | $615 | 0.36% |
| CHRISTINE LYNN MORGESTER3 | 14913 SOUTH SUNTERRA LOOP OREGON CITY, OR 97045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $533 | $9 | $542 | 0.32% |
| KAREN CLAY KUNKLER3 | 415 SE 177TH AVENUE, UNIT 236 VANCOUVER, WA 98683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $0 | $106 | 0.06% |
| INTERMEDIARY SERVICES LLC3 Filed as: INTERMEDIARY SVCS. AND OTHER AGENTS | 333 SOUTH STATE STREET LAKE OSWEGO, OR 97034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 0.03% |
| JD FULWILER AND COMPANY3 | 5727 SW MACADAM AVENUE PORTLAND, OR 97239 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.60% |
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 | 485 | 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) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 789 | $8.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 877 | $257K |
| Vision | VISION SERVICE PLAN | 360 | $48K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 877 | $429K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 195 | $172K |
| Prescription drug | PROVIDENCE HEALTH PLAN | 789 | $8.0M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 877 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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.