| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: L & T ENT LLC AND VARIOUS AGENTS | 2441 IMPERIAL DRIVE NW ALBANY, OR 97321 | AFLAC | $947 | $14 | $961 | 4.91% |
| WILLIAM JAMES MCPHEE3 | 20332 SOUTHWEST ERIN PLACE ALOHA, OR 97003 | AFLAC | $658 | $16 | $674 | 3.44% |
| CRYSTAL ANN MCCARTHY3 | 550 SOUTHEAST 2ND STREET GRESHAM, OR 97080 | AFLAC | $310 | $36 | $346 | 1.77% |
| BONNIE LOUESE MCCREERY3 | 524 LAUREL STREET LAKE OSWEGO, OR 97034 | AFLAC | $285 | $0 | $285 | 1.46% |
| JODI COLLEEN WATSON3 | 13504 NORTHEAST 84TH STREET SUITE 103-196 VANCOUVER, WA 98682 | AFLAC | $150 | $0 | $150 | 0.77% |
| EDWIN J TEDERS3 | 1345 183RD AVENUE NE BELLEVUE, WA 98008 | AFLAC | $98 | $0 | $98 | 0.50% |
| VALORIE R. SMITH3 | 6248 WEST COHIBA LANE BOISE, ID 83703 | AFLAC | $95 | $0 | $95 | 0.49% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AFLAC | 32 | $20K |
| Life insurance | AFLAC | 32 | $20K |
| Short-term disability | AFLAC | 32 | $20K |
| Other | AFLAC | 32 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.