| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $61K | $61K | 4.21% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.94% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.06% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| 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 | $2K | $2K | 7.86% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.77% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVE HILLSBOROR, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 26.54% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 8.15% |
| WORKSITE BENEFITS GROUP INC3 | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $479 | $785 | $1K | 8.03% |
| BENEFTIS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $417 | $178 | $595 | 3.78% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| 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 | $324 | $324 | 3.15% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| 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 | $324 | $324 | 3.54% |
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 | 313 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 247 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $128K |
| Vision | VISION SERVICE PLAN | 142 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $21K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $29K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $29K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.