| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RHODES WARDEN INS AGCY3 | 2545 SOUTH SECOND STREET LEBANON, OR 97355 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.03% |
| RHODES WARDEN INS AGCY3 Filed as: RHODES-WARDEN INSURANCE INC | — | WILLAMETTE DENTAL INSURANCE, INC. | $1K | — | $1K | 5.00% |
| RHODES WARDEN INS AGCY3 | 2545 SOUTH SECOND STREET LEBANON, OR 97355 | STANDARD INSURANCE COMPANY | $556 | — | $556 | 5.45% |
| RHODES WARDEN INS AGCY3 | 2545 SOUTH SECOND STREET LEBANON, OR 97355 | STANDARD INSURANCE COMPANY | $71 | — | $71 | 3.80% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SAMARITAN HEALTH PLANS | 95 | $1.1M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 52 | $66K |
| Vision | STANDARD INSURANCE COMPANY | 52 | $2K |
| Life insurance | STANDARD INSURANCE COMPANY | 106 | $10K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 138 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.