| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.L. JONES AND ASSOCIATES3 Filed as: J.L. JONES INSURANCE SERVICES, LLC | PO BOX 1657 SPRINGFIELD, OR 97477 | PACIFICSOURCE HEALTH PLANS | $27K | $1K | $28K | 1.74% |
| IMA, INC.3 | 10260 SW GREENBURG ROAD, SUITE 550 PORTLAND, OR 97223 | PACIFICSOURCE HEALTH PLANS | $26K | $0 | $26K | 1.57% |
| J.L. JONES AND ASSOCIATES3 Filed as: J.L. JONES INSURANCE SERVICES, LLC | PO BOX 1657 SPRINGFIELD, OR 97477 | STANDARD INSURANCE COMPANY | $768 | $0 | $768 | 5.88% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $516 | $0 | $516 | 3.95% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 177 | $1.6M |
| Dental | PACIFICSOURCE HEALTH PLANS | 177 | $1.6M |
| Vision | PACIFICSOURCE HEALTH PLANS | 177 | $1.6M |
| Life insurance | STANDARD INSURANCE COMPANY | 185 | $13K |
| Prescription drug | PACIFICSOURCE HEALTH PLANS | 177 | $1.6M |
| Other | STANDARD INSURANCE COMPANY | 185 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.