| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE | PO BOX 29 SPRINGFIELD, OR 97477 | PROVIDENCE HEALTH PLAN | $50K | $0 | $50K | 3.25% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE LLC | 1111 GATEWAY LOOP SPRINGFIELD, OR 97477 | STANDARD INSURANCE COMPANY | $5K | $471 | $6K | 5.46% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE LLC | PO BOX 784 SPRINGFIELD, OR 97477 | LIFEMAP ASSURANCE COMPANY | $7K | $0 | $7K | 10.37% |
| RYAN GEORGE KRUIT3 | 612 SE GLENEDEN PLACE BEND, OR 97702 | AFLAC | $671 | $0 | $671 | 6.06% |
| SCOTT ROBERT STORJOHANN3 Filed as: SCOTT STORJOHANN AND OTHER AGENTS | 10110 EATON STREET WESTMINSTER, CO 80020 | AFLAC | $350 | $0 | $350 | 3.16% |
| PHILIP GREGORY HETZ3 | 19871 PORCUPINE DRIVE BEND, OR 97702 | AFLAC | $245 | $0 | $245 | 2.21% |
| GREGORY SCOTT GANNON3 | 19639 EMERALD PLACE BEND, OR 97702 | AFLAC | $212 | $0 | $212 | 1.91% |
| JANALE MOORE3 | 2317 NE COLLEEN ALY PRINEVILLE, OR 97754 | AFLAC | $120 | $0 | $120 | 1.08% |
| JAMES S SARANTIS3 Filed as: JAMES S. SARANTIS | 14132 SE FIRCREST COURT PORTLAND, OR 97236 | AFLAC | $92 | $0 | $92 | 0.83% |
| GUY R SOUTER3 Filed as: GUY R. SOUTER | PO BOX 1283 LA PINE, OR 97739 | AFLAC | $77 | $0 | $77 | 0.70% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PROVIDENCE HEALTH PLAN | 246 | $1.5M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 119 | $117K |
| Vision | PROVIDENCE HEALTH PLAN | 246 | $1.5M |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 138 | $72K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 138 | $72K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 138 | $72K |
| Prescription drug | PROVIDENCE HEALTH PLAN | 246 | $1.5M |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 138 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.