| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 29 SPRINGFIELD, OR 97477 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $23K | $23K | 2.04% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC. | PO BOX 29 SPRINGFIELD, OR 97477 | LIFEMAP ASSURANCE COMPANY | $2K | — | $2K | 4.55% |
| MARCI MARIE OTIS3 | 200 JULINA LANE ROSEBURG, OR 97471 | AFLAC | $1K | — | $1K | 3.98% |
| JOSEPH FIDDY INC3 Filed as: JOSEPH FIDDY, INC. | 2000 WEST HARVARD AVENUE, SUITE 100 ROSEBURG, OR 97471 | AFLAC | $1K | — | $1K | 3.93% |
| CAROL A. KENYON3 | 1641 CLEVELAND HILL ROAD ROSEBURG, OR 97471 | AFLAC | $679 | — | $679 | 1.86% |
| KIMBERLY A PARKS3 Filed as: KIMBERLY A. PARKS AND OTHER AGENTS | 3702 30TH AVENUE SE OLYMPIA, WA 98501 | AFLAC | $556 | — | $556 | 1.52% |
| GUY R SOUTER3 Filed as: GUY R. SOUTER | 16280 PINE DROP LANE LA PINE, OR 97739 | AFLAC | $164 | — | $164 | 0.45% |
| MARK D LUTHER3 Filed as: MARK D. LUTHER | 804 MOOREFIELD PARK DRIVE SUITE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $154 | — | $154 | 0.42% |
| G SCOTT COOKE3 Filed as: SCOTT E. NIELSEN | 1089 LAKE WASHINGTON BOULEVARD N UNIT 306 RENTON, WA 98056 | AFLAC | $100 | — | $100 | 0.27% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 29 SPRINGFIELD, OR 97477 | WILLAMETTE DENTAL INSURANCE, INC. | $1K | — | $1K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 784 SPRINGFIELD, OR 97477 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | — | $3K | 14.75% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 784 SPRINGFIELD, OR 97477 | VISION SERVICE PLAN | $819 | — | $819 | 6.86% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $1.1M |
| Dental(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 119 | $70K |
| Vision | VISION SERVICE PLAN | 82 | $12K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 126 | $20K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $1.1M |
| Other(2 contracts, 2 carriers) | AFLAC | 126 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.