| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, LLC | 10260 SW GREENBURG ROAD, SUITE 550 PORTLAND, OR 97223 | PROVIDENCE HEALTH PLAN | $63K | $0 | $63K | 3.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE LLC | PO BOX 784 SPRINGFIELD, OR 97477 | LIFEMAP ASSURANCE COMPANY | $15K | $0 | $15K | 7.07% |
| KATE THOMAS GROUP INC3 | PO BOX 8712 BEND, OR 97708 | AFLAC | $775 | $110 | $885 | 8.54% |
| RICHARD J ROSS3 Filed as: RICHARD J ROSS/VARIOUS | 1337 NORTHAST BARNEY STREET PRINEVILLE, OR 97754 | AFLAC | $251 | $0 | $251 | 2.42% |
| RYAN GEORGE KRUIT3 | 612 SOUTHEAST GLENEDEN PLACE BEND, OR 97702 | AFLAC | $173 | $26 | $199 | 1.92% |
| GREGORY SCOTT GANNON3 | 19639 EMERALD PLACE BEND, OR 97702 | AFLAC | $172 | $0 | $172 | 1.66% |
| JAMES S SARANTIS3 | 14132 SE FIRCREST COURT PORTLAND, OR 97236 | AFLAC | $134 | $26 | $160 | 1.54% |
| PHILIP GREGORY HETZ3 | 19871 PORCUPINE DRIVE BEND, OR 97702 | AFLAC | $90 | $0 | $90 | 0.87% |
| JAMES F TUOR3 | 22416 N ARRELLAGA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $43 | $0 | $43 | 0.41% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE | PO BOX 784 SPRINGFIELD, OR 97477 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $1K | $0 | $1K | 15.29% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PROVIDENCE HEALTH PLAN | 328 | $2.1M |
| Dental | LIFEMAP ASSURANCE COMPANY | 178 | $211K |
| Vision | PROVIDENCE HEALTH PLAN | 328 | $2.1M |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 178 | $211K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 178 | $211K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 178 | $211K |
| Prescription drug | PROVIDENCE HEALTH PLAN | 328 | $2.1M |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 178 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.