| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERTO FLORES3 | BCI GROUP INC 6979 SE LAKE RD PORTLAND, OR 97267 | PROVIDENCE HEALTH PLANS | $61K | — | $61K | 2.20% |
| BCI GROUP, INC.3 Filed as: BCI GROUP | 6979 SE LAKE RD PORTLAND, OR 97267 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 4.95% |
| BCI GROUP, INC.3 Filed as: BCI GROUP INC | 307 OAK ST HOOD RIVER, OR 97031 | UNION SECURITY INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| BCI GROUP, INC.3 Filed as: BCI GROUP INC | 307 OAK ST HOOD RIVER, OR 97031 | UNION SECURITY INSURANCE COMPANY | — | — | $0 | 0.00% |
| BCI GROUP, INC.3 Filed as: BCI GROUP INC | 307 OAK ST HOOD RIVER, OR 97031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36K | $10K | $46K | 38.90% |
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 | 320 | 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) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PROVIDENCE HEALTH PLANS | 704 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 349 | $290K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 392 | $250K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 392 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.