| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 29 SPRINGFIELD, OR 97477 | PROVIDENCE HEALTH PLAN | $46K | $0 | $46K | 3.19% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 784 SPRINGFIELD, OR 97477 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 4.98% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | 1111 GATEWAY LOOP SPRINGFIELD, OR 97477 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.24% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 784 SPRINGFIELD, OR 97477 | LIFEMAP ASSURANCE COMPANY | $6K | $0 | $6K | 10.72% |
| RYAN GEORGE KRUIT3 | 612 SE GLENEDEN PLACE BEND, OR 97702 | AFLAC | $676 | $17 | $693 | 4.08% |
| PHILLIP GREGORY HETZ3 Filed as: PHILLIP GEORGE HETZ | 19871 PORCUPINE DRIVE BEND, OR 97702 | AFLAC | $522 | $7 | $529 | 3.11% |
| GREGORY SCOTT GANNON3 | 19639 EMERALD PLACE BEND, OR 97702 | AFLAC | $418 | $0 | $418 | 2.46% |
| MJ INSURANCE3 Filed as: SCOTT NIELSEN AND VARIOUS AGENTS | 718B WEST FOURTH PLAIN BOULEVARD VANCOUVER, WA 98660 | AFLAC | $384 | $0 | $384 | 2.26% |
| SCOTT ROBERT STORJOHANN3 Filed as: SCOTT STORJOHANN | 10110 EATON STREET WESTMINSTER, CO 80020 | AFLAC | $104 | $0 | $104 | 0.61% |
| GUY R SOUTER3 Filed as: GUY R. SOUTER | PO BOX 1283 LA PINE, OR 97739 | AFLAC | $92 | $0 | $92 | 0.54% |
| DIXIE D SIMON3 Filed as: DIXIE D. SIMON | 509 NORTH SHAMROCK ROAD SPOKANE VALLEY, WA 99037 | AFLAC | $61 | $0 | $61 | 0.36% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 236 | $1.5M |
| Dental | STANDARD INSURANCE COMPANY | 107 | $94K |
| Vision | PROVIDENCE HEALTH PLAN | 236 | $1.5M |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 125 | $58K |
| Short-term disability(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 125 | $75K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 125 | $58K |
| Prescription drug | PROVIDENCE HEALTH PLAN | 236 | $1.5M |
| Other(3 contracts, 3 carriers) | LIFEMAP ASSURANCE COMPANY | 125 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.