| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRISTIN DUVAL DDI BENEFITS3 | 2111 NE HALSEY PORTLAND, OR 97232 | PROVIDENCE HEALTH PLAN | $31K | $0 | $31K | 3.57% |
| DDI BENEFITS INC.3 | 2111 NE HALSEY STREET PORTLAND, OR 972321522 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.23% |
| DDI BENEFITS INC.3 | PO BOX 13090 PORTLAND, OR 97213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 7.88% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $689 | $3K | 5.23% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $644 | $120 | $764 | 1.37% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN INC. | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $628 | $119 | $747 | 1.34% |
| ISAACSON INSURANCE AGENCY LLC3 | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $552 | $59 | $611 | 1.10% |
| CHRISTINE LYNN MORGESTER3 | 988 SW 26TH STREET TROUTDALE, OR 97060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $449 | $0 | $449 | 0.81% |
| JAN N HEIMBAUGH3 Filed as: JAN MYERS | 810 NE HOLLY STREET MYRTLE CREEK, OR 97457 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $420 | $0 | $420 | 0.76% |
| LARRY P HILDEBRANDT3 Filed as: LARRY KENNETH GRIFFIN | 2333 DERRY COURT MEDFORD, OR 97504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.12% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 235 | $877K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $90K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $90K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $145K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 53 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.