| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 14.65% |
| ONE SOLUTION AGENCY, LLC3 Filed as: ONE SOLUTION AGENCY, INC. | 20012 156TH AVE NE WOODINVILLE, WA 98072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.10% |
| NEIL EUGENE GRAVATT3 | 4998 ARROWOOD COURT SE SALEM, OR 97317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.89% |
| SHANDRA REE HALFORD3 | 1315 1ST STREET TILLAMOOK, OR 97141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $779 | — | $779 | 1.09% |
| TREVOR WILKS3 | 3295 TRIANGLE DRIVE SE, SUITE 120 SALEM, OR 97302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 0.16% |
| ONE SOLUTION AGENCY, LLC3 | 20012 156TH AVE NE WOODINVILLE, WA 98072 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$70 | — | -$70 | -0.10% |
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 | 315 | 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) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 15 | $72K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 15 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.