| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 5285 MEADOWS ROAD, SUITE 451 LAKE OSWEGO, OR 97035 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.75% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 3.12% |
| LOCKTON COMPANIES, LLC3 | 600 UNIVERSITY STREET, SUITE 1900 SEATTLE, WA 98101 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $303 | $303 | 0.23% |
| MARGARET BRYANT3 | 18014 SW BELMORE AVENUE LAKE OSWEGO, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $708 | $9 | $717 | 3.55% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $596 | $2 | $598 | 2.96% |
| KAREN CLAY KUNKLER3 | 415 SE 177TH AVENUE, UNIT 236 VANCOUVER, WA 98683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $402 | $2 | $404 | 2.00% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $16 | $176 | 0.87% |
| LARRY SHERWOOD & ASSOC INC3 Filed as: LARRY SHERWOOD & ASSOC., INC. | UNKNOWN TUALATIN, OR 97062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $0 | $164 | 0.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC AND OTHERS | PO BOX 417484 BOSTON, MA 02241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.25% |
| HEARTSEASE LLC3 Filed as: HEARTSEASE, LLC | 1521 NE 63RD AVENUE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $1 | $32 | 0.16% |
| HAYS COMPANIES, INC.3 | 601 SW 2ND AVENUE, SUITE 1200 PORTLAND, OR 97204 | AFLAC | $488 | $0 | $488 | 3.73% |
| MARK A MCRAE3 Filed as: MARK MCRAE AND OTHER AGENTS | 375 NE SOUTH NEBERGALL LOOP ALBANY, OR 97321 | AFLAC | $352 | $35 | $387 | 2.96% |
| JERALD SMITH3 | 7134 SW MAPLELEAF STREET TIGARD, OR 97223 | AFLAC | $199 | $0 | $199 | 1.52% |
| BRYAN G CORBIN LLC3 Filed as: BRYAN G. CORBIN, LLC | 6950 SW HAMPTON STREET, SUITE 260 TIGARD, OR 97223 | AFLAC | $166 | $8 | $174 | 1.33% |
| KAREN MCKAY3 | 8288 SW LAFAYETTE WAY WILSONVILLE, OR 97070 | AFLAC | $149 | $0 | $149 | 1.14% |
| TIFFANY M HEBERT3 Filed as: TIFFANY HEBERT | 567 SE CYPRESS AVENUE DALLAS, OR 97338 | AFLAC | $94 | $0 | $94 | 0.72% |
| TYLER JORAMO3 | 31444 NW WASCOE STREET NORTH PLAINS, OR 97133 | AFLAC | $85 | $0 | $85 | 0.65% |
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 | 182 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 20 | $20K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $129K |
| Vision | AFLAC | 16 | $13K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $150K |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $163K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $129K |
| Prescription drug | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 20 | $20K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.