| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 784 SPRINGFIELD, OR 97477 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 8.67% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 784 SPRINGFIELD, OR 97477 | WILLAMETTE DENTAL GROUP | $927 | $0 | $927 | 4.56% |
| KRISTN MCLAUGHLIN3 | 14478 MONARCH DRIVE HALLSVILLE, MO 65255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $619 | $0 | $619 | 3.61% |
| JOHNSON AGENCY PC INSURANCE3 Filed as: JOHNSON INSURANCE AGENCY PC | 210 OAK STREET, SUITE 1 SILVERTON, OR 97381 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $476 | $0 | $476 | 2.78% |
| 5 PEAKS SOLUTIONS LLC3 Filed as: 5 PEAKS SOLUTIONS, LLC | 12938 HONEY LANE MT. VERNON, WA 98374 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $344 | $0 | $344 | 2.01% |
| SUPPLEMENTAL BENEFIT SOLUTIONS3 | 9419 WEST VILLA HERMOSA PEORIA, AZ 85383 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 784 SPRINGFIELD, OR 97477 | VISION SERVICE PLAN | $772 | $0 | $772 | 7.33% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL TRANSPORT SOLUTIONS | 137 | $0 |
| Dental | WILLAMETTE DENTAL GROUP | 54 | $20K |
| Vision | VISION SERVICE PLAN | 76 | $11K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $96K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $96K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $79K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.