| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBRA BRAILSFORD3 | IMA INC PO BOX 1657 SPRINGFIELD, OR 97477 | PROVIDENCE HEALTH PLAN | $23K | $0 | $23K | 4.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.25% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.97% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | DBA THREEFLOW 306 W ERIE STREET, STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.39% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.03% |
| IMA, INC.3 Filed as: IMA INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $365 | $365 | 0.91% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.88% |
| IMA, INC.3 Filed as: IMA INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $239 | $239 | 1.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.75% |
| IMA, INC.3 Filed as: IMA INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $200 | $200 | 0.91% |
| PHILIP O MCGUIGAN3 | — | AFLAC | $126 | $0 | $126 | 1.65% |
| LARRI B WHEELER3 | — | AFLAC | $108 | $0 | $108 | 1.41% |
| JEROMY E. CILLEY3 Filed as: JEROMY E CILLEY | — | AFLAC | $90 | $0 | $90 | 1.18% |
| VERNON P HERRERA3 Filed as: VERNON E WHEELER | — | AFLAC | $56 | $0 | $56 | 0.73% |
| RAYMOND B LINGLE3 Filed as: RAYMOND R JANISSE | — | AFLAC | $46 | $0 | $46 | 0.60% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN DEAN | — | AFLAC | $42 | $0 | $42 | 0.55% |
| GUY R SOUTER3 | 1930 VILLAGE CENTER CIR STE 3, PMB 5962 LAS VEGAS, NV 89134 | AFLAC | $39 | $0 | $39 | 0.51% |
| REBECCA L. HILL3 Filed as: REBECCA L HILL | — | AFLAC | $30 | $0 | $30 | 0.39% |
| BRADLEY R. SWANK3 Filed as: BRADLEY R SWANK | — | AFLAC | $27 | $0 | $27 | 0.35% |
| ERNEST E SNOOK3 | — | AFLAC | $21 | $0 | $21 | 0.27% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES H WHIPPLE | — | AFLAC | $15 | $0 | $15 | 0.20% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL MICHAEL HANNANT | — | AFLAC | $13 | $0 | $13 | 0.17% |
| IOANNIS T GRATSINOPOULOS3 | — | AFLAC | $3 | $0 | $3 | 0.04% |
| SHANE EDMUND ATTEBERY3 | — | AFLAC | $3 | $0 | $3 | 0.04% |
| MARCI MARIE OTIS3 | — | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 147 | $583K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $108K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $108K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 279 | $22K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $40K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 53 | $24K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 279 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.