| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELIZABETH HARRISON3 | 975 OAK STREET, SUITE 900 EUGENE, OR 97401 | PROVIDENCE HEALTH PLANS | $16K | $0 | $16K | 2.53% |
| KEN LEATHERMAN3 | 941 OAK STREET EUGENE, OR 97401 | PROVIDENCE HEALTH PLANS | $3K | $0 | $3K | 0.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $2K | $738 | $3K | 3.98% |
| ALLIANCE INSURANCE PARTNERS3 Filed as: ALLIANCE INSURANCE PARTNERS, INC. | 941 OAK STREET EUGENE, OR 97401 | STANDARD INSURANCE COMPANY | $469 | $0 | $469 | 0.71% |
| REBECCA L. HILL3 | 1980 HOLLY AVENUE EUGENE, OR 97408 | AFLAC | $3K | $0 | $3K | 14.28% |
| JEROMY E. CILLEY3 | 1115 PEARL STREET EUGENE, OR 97401 | AFLAC | $1K | $0 | $1K | 6.09% |
| REBECCA L. HILL3 | 4660 MAIN STREET, BUILDING B SUITE 300 SPRINGFIELD, OR 97478 | AFLAC | $650 | $370 | $1K | 5.02% |
| GUY R SOUTER3 Filed as: GUY R. SOUTER | 16280 PINE DROP LANE LA PINE, OR 97739 | AFLAC | $227 | $78 | $305 | 1.50% |
| JEROMY E. CILLEY3 | 4660 MAIN STREET, BUILDING B SUITE 300 2 SPRINGFIELD, OR 97478 | AFLAC | $216 | $78 | $294 | 1.45% |
| PHILIP O MCGUIGAN3 Filed as: PHILIP O. MCGUIGAN AND OTHER AGENTS | PO BOX 24021 EUGENE, OR 97402 | AFLAC | $92 | $0 | $92 | 0.45% |
| MARCI MARIE OTIS3 | 200 JULINA LANE ROSEBURG, OR 97471 | AFLAC | $22 | $0 | $22 | 0.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 975 OAK STREET, SUITE 900 EUGENE, OR 97401 | VISION SERVICE PLAN | $277 | $0 | $277 | 5.21% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP | 941 OAK STREET EUGENE, OR 97401 | VISION SERVICE PLAN | $239 | $0 | $239 | 4.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 975 OAK STREET, SUITE 900 EUGENE, OR 97401 | VISION SERVICE PLAN | $123 | $0 | $123 | 10.00% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLANS | 143 | $643K |
| Dental | STANDARD INSURANCE COMPANY | 123 | $66K |
| Vision(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 123 | $73K |
| Prescription drug | PROVIDENCE HEALTH PLANS | 143 | $643K |
| Other | AFLAC | 22 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.