| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 825 NE MULTNOMAH STREET, SUITE 1500 PORTLAND, OR 97232 | WILLAMETTE DENTAL INSURANCE, INC. | $1K | $0 | $1K | 4.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $814 | $0 | $814 | 7.95% |
| WILLIAM R MEDITZ3 Filed as: WILLIAM MEDITZ | 25884 SW CANYON CREEK ROAD APARTMENT J20 WILSONVILLE, OR 97070 | AFLAC | $60 | $0 | $60 | 2.44% |
| ALICIA J MATSON3 Filed as: ALICIA MATSON | 6027 ROLLETTI DRIVE SE SALEM, OR 97306 | AFLAC | $29 | $0 | $29 | 1.18% |
| ANDRIA R. KINYON3 Filed as: ANDRIA KINYON | 10990 WAYPARK DRIVE NE SALEM, OR 97305 | AFLAC | $25 | $0 | $25 | 1.02% |
| VINCENT BRIAN VOLLMAR3 Filed as: VINCENT VOLLMAR | 4085 HAGER STREET SE SUITE 300 SALEM, OR 97317 | AFLAC | $8 | $0 | $8 | 0.33% |
| THERESA GREEN3 | 426 GREENACRE DRIVE NW SALEM, OR 97304 | AFLAC | $8 | $0 | $8 | 0.33% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 202 | $108K |
| Vision | VISION SERVICE PLAN | 91 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 202 | $76K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 202 | $76K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 202 | $76K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.