| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 784 SPRINGFIELD, OR 97477 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $26K | $5K | $31K | 2.42% |
| JOSEPH FIDDY INC3 | 2000 WEST HARVARD AVENUE, SUITE 100 ROSEBURG, OR 97471 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.16% |
| MARCI MARIE OTIS3 | 200 JULINA LANE ROSEBURG, OR 97471 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $37 | $1K | 3.08% |
| KIMBERLY A PARKS3 Filed as: KIMBERLY A. PARKS AND OTHER AGENTS | 19818 NORTH 147TH DRIVE SUN CITY WEST, AZ 85375 | CONTINENTAL AMERICAN INSURANCE COMPANY | $773 | $0 | $773 | 1.98% |
| CAROL A. KENYON3 | 1645 CLEVELAND HILL ROAD ROSEBURG, OR 97471 | CONTINENTAL AMERICAN INSURANCE COMPANY | $656 | $72 | $728 | 1.87% |
| SHAWN MICHAEL OTIS3 | 200 JULINA LANE ROSEBURG, OR 97471 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | $64 | $251 | 0.64% |
| JEROMY E. CILLEY3 | 1115 PEARL STREET EUGENE, OR 97401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | $29 | $212 | 0.54% |
| PAIGE MARIE OTIS3 | 200 JULINA LANE ROSEBURG, OR 97471 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | $0 | $129 | 0.33% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 784 SPRINGFIELD, OR 97477 | WILLAMETTE DENTAL INSURANCE, INC. | $2K | $0 | $2K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 784 SPRINGFIELD, OR 97477 | STANDARD INSURANCE COMPANY | $2K | $184 | $2K | 9.81% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 784 SPRINGFIELD, OR 97477 | VISION SERVICE PLAN | $847 | $0 | $847 | 6.65% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 233 | $1.3M |
| Dental(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 141 | $76K |
| Vision(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 85 | $52K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 141 | $57K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 72 | $39K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 233 | $1.3M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 141 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
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.