| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 972043728 | UNITED HEALTHCAREINSURANCE COMPANY | $0 | $36K | $36K | 3.95% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 972043728 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 5.35% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 972043728 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 777 108TH AVE NE STE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $260 | $0 | $260 | 1.10% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $659 | $2K | 16.93% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 972043728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 8.74% |
| WORKSITE BENEFITS GROUP INC3 | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | $627 | $950 | 6.48% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $118 | $444 | 3.03% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES | 1211 SW 5TH AVENUE STE 2800 PORTLAND, OR 97204 | VISION SERVICE PLAN | $811 | — | $811 | 5.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $68 | — | $68 | 0.50% |
| THE LADD GROUP, LLC5 Filed as: THE LADD GROUP LLC | 1306 NW HOYT ST STE 404 PORTLAND, OR 97209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 12.66% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 972043728 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 777 108TH AVE NE STE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $82 | $0 | $82 | 0.71% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 972043728 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 777 108TH AVE NE STE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $83 | $0 | $83 | 0.94% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 972043728 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.93% |
| THE LADD GROUP, LLC5 Filed as: THE LADD GROUP LLC | 1306 NW HOYT ST STE 404 PORTLAND, OR 97209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $420 | $420 | 5.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 777 108TH AVE NE STE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $82 | $0 | $82 | 1.06% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 972043728 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $527 | $0 | $527 | 9.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 777 108TH AVE NE STE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.72% |
| THE LADD GROUP, LLC5 Filed as: THE LADD GROUP LLC | 1306 NW HOYT ST STE 404 PORTLAND, OR 97209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $420 | $420 | 9.75% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 972043728 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $401 | $0 | $401 | 9.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 777 108TH AVE NE STE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.70% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCAREINSURANCE COMPANY | 64 | $918K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 69 | $62K |
| Vision | VISION SERVICE PLAN | 63 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $4K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $17K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
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.