| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJI, INC. | PO BOX 847 MICMINNVILLE, OR 97128 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $52K | $0 | $52K | 3.26% |
| MJ INSURANCE3 Filed as: MJI, INC. | PO BOX 847 MCMINNVILLE, OR 97128 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 11.62% |
| MJ INSURANCE3 Filed as: MJI, INC. AND VARIOUS AGENTS | PO BOX 847 MCMINNVILLE, OR 97128 | AFLAC | $3K | $17 | $3K | 9.00% |
| REBECCA L. HILL3 | 1980 HOLLY AVENUE EUGENE, OR 97408 | AFLAC | $956 | $0 | $956 | 3.28% |
| JEROMY E. CILLEY3 | 2683 EAST WILSHIRE DRIVE EUGENE, OR 97405 | AFLAC | $483 | $0 | $483 | 1.66% |
| BACKLUND & ASSOCIATES PC3 Filed as: BACKLUND AND ASSOCIATES | 1500 VALLEY RIVER DRIVE, SUITE 300 EUGENE, OR 97401 | AFLAC | $411 | $0 | $411 | 1.41% |
| RICHARD E. SYFERT3 | PO BOX 917 PLEASANT HILL, OR 97455 | AFLAC | $406 | $0 | $406 | 1.39% |
| GUY R SOUTER3 Filed as: GUY R. SOUTER | 1930 VILLAGE CENTER CIRCLE SUITE 3, PMB 5962 LAS VEGAS, NV 89134 | AFLAC | $203 | $0 | $203 | 0.70% |
| PINKIY WALKER3 | 13064 SE TERRA CASCADE LOOP HAPPY VALLEY, OR 97086 | AFLAC | $150 | $36 | $186 | 0.64% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 199 | $1.6M |
| Vision | REGENCE BLUECROSS BLUESHIELD OF OREGON | 199 | $1.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $81K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $110K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $81K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 199 | $1.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.