| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES INC. | 720 SW WASHINGTON STREET, SUITE 250 PORTLAND, OR 972053554 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $60K | $60K | 4.16% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES INC. | 720 SW WASHINGTON STREET, SUITE 250 PORTLAND, OR 972053554 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.07% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES INC. | 720 SW WASHINGTON STREET, SUITE 250 PORTLAND, OR 972053554 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES INC. | 720 SW WASHINGTON STREET, SUITE 250 PORTLAND, OR 972053554 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.95% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES INC. | 720 SW WASHINGTON STREET, SUITE 250 PORTLAND, OR 972053554 | VISION SERVICE PLAN | $1K | — | $1K | 5.17% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES INC. | 720 SW WASHINGTON STREET, SUITE 250 PORTLAND, OR 972053554 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| THE LADD GROUP, LLC5 | 1306 NW HOYT STREET, STE 404 PORTLAND, OR 97209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 11.59% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES INC. | 720 SW WASHINGTON STREET, SUITE 250 PORTLAND, OR 972053554 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| THE LADD GROUP, LLC5 | 1306 NW HOYT STREET, STE 404 PORTLAND, OR 97209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 28.23% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES INC. | 720 SW WASHINGTON STREET, SUITE 250 PORTLAND, OR 972053554 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $806 | — | $806 | 10.00% |
| THE LADD GROUP, LLC5 | 1306 NW HOYT STREET, STE 404 PORTLAND, OR 97209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 33.20% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES INC. | 720 SW WASHINGTON STREET, SUITE 250 PORTLAND, OR 972053554 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
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 | 335 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $116K |
| Vision | VISION SERVICE PLAN | 143 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $7K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.