| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 972043728 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $49K | $49K | 4.04% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 972043728 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.14% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES, INC. | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVENUE STE 2800 PORTLAND, OR 97204 | VISION SERVICE PLAN | $1K | — | $1K | 5.65% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 20.20% |
| DURHAM & BATES AGENCIES INC3 | 1211 SW 5TH AVE PORTLAND, OR 97204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 8.85% |
| WORKSITE BENEFITS GROUP INC3 | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $373 | $412 | $785 | 4.51% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $349 | $139 | $488 | 2.80% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES, INC | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $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 | — | $2K | $2K | 9.63% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES, INC. | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES, INC. | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES, INC. | 1211 SW 5TH AVE STE 2800 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | — | $324 | $324 | 3.05% |
| DURHAM & BATES AGENCIES INC3 Filed as: DURHAM & BATES AGENCIES, INC. | 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 | — | $324 | $324 | 3.19% |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $79K |
| Vision | VISION SERVICE PLAN | 101 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $17K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $22K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $23K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.