| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VICTORIA L FLYNN3 Filed as: VICTORIA SCHROEDER | — | SAMARITAN HEALTH PLANS | $33K | — | $33K | 2.87% |
| RHODES WARDEN INS AGCY3 Filed as: RHODES-WARDEN INSURANCE INC | PO BOX 8 LEBANON, OR 97355 | WILLAMETTE DENTAL INSURANCE, INC. | $2K | — | $2K | 5.00% |
| RHODES WARDEN INS AGCY3 | PO BOX 8 LEBANON, OR 97355 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.20% |
| RHODES WARDEN INS AGCY3 | PO BOX 8 LEBANON, OR 97355 | STANDARD INSURANCE COMPANY | $601 | — | $601 | 5.67% |
| RHODES WARDEN INS AGCY3 | PO BOX 8 LEBANON, OR 97355 | STANDARD INSURANCE COMPANY | $67 | — | $67 | 3.81% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SAMARITAN HEALTH PLANS | 95 | $1.2M |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL INSURANCE, INC. | 55 | $70K |
| Vision | STANDARD INSURANCE COMPANY | 50 | $2K |
| Life insurance | STANDARD INSURANCE COMPANY | 98 | $11K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 103 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.