| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | 601 SW 2ND AVE, STE 1200 PORTLAND, OR 97204 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $107K | $13K | $119K | 5.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | AMERITAS LIFE INSURANCE CORPORATION | $24K | — | $24K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 3520 THOMASVILLE RD STE 500 TALLAHASSEE, FL 32309 | AMERITAS LIFE INSURANCE CORPORATION | — | $454 | $454 | 0.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 601 SW 2ND AVE STE 1200 PORTLAND, OR 97204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $11K | 7.13% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OR INSURANCE SERVICES | 601 SW 2ND AVE STE 1200 PORTLAND, OR 97204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $543 | $7K | 14.76% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OR OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | WILLAMETTE DENTAL INSURANCE, INC. | $2K | — | $2K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | 601 SW 2ND AVE STE 1200 PORTLAND, OR 97204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SO. 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.22% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $363 | — | $363 | 1.05% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1201 PACIFIC AVE. STE 1000 TACOMA, WA 98402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $225 | — | $225 | 0.65% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 354 | $2.0M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 552 | $282K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 552 | $235K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $161K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $161K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $161K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.