| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE LLC | 1111 GATEWAY LOOP SPRINGFIELD, OR 97477 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $754 | $8K | 10.25% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE LLC | PO BOX 784 SPRINGFIELD, OR 97477 | WILLAMETTE DENTAL INSURANCE, INC. | $1K | $0 | $1K | 5.00% |
| KRISTIN MCLAUGHLIN3 | 14478 MONARCH DRIVE HALLSVILLE, MO 65255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $516 | $0 | $516 | 3.61% |
| JOHNSON AGENCY PC INSURANCE3 | 210 OAK STREET, SUITE 1 SILVERTON, OR 97381 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $404 | $0 | $404 | 2.83% |
| 5 PEAKS SOLUTIONS LLC3 | 8904 FRANCES FOLSOM STREET SW LAKEWOOD, WA 98499 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $293 | $0 | $293 | 2.05% |
| 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 LLC | PO BOX 784 SPRINGFIELD, OR 97477 | VISION SERVICE PLAN | $957 | $0 | $957 | 9.55% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE LLC | PO BOX 784 SPRINGFIELD, OR 97477 | MEDICAL AIR SERVICES ASSOCIATION,INC. | $243 | $0 | $243 | 10.68% |
| MASA AGENT3 | UNKNOWN AUMSVILLE, OR 97325 | MEDICAL AIR SERVICES ASSOCIATION,INC. | $166 | $0 | $166 | 7.30% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL AIR SERVICES ASSOCIATION,INC. | 11 | $2K |
| Dental | WILLAMETTE DENTAL INSURANCE, INC. | 56 | $22K |
| Vision | VISION SERVICE PLAN | 75 | $10K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $96K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $96K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $81K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $99K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.