| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS A GUNNESS3 | 7340 SOUTHWEST HUNZIKER STREET SUITE 220 PORTLAND, OR 97223 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $51K | $3K | $54K | 3.18% |
| THERESA S GUNNESS3 Filed as: THERESA GUNNESS | 7340 SOUTHWEST HUNZIKER STREET SUITE 220 PORTLAND, OR 97223 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.98% |
| GUNNESS BENEFITS GROUP3 Filed as: GUNNESS BENEFITS GROUP INC | 7340 SOUTHWEST HUNZIKER STREET SUITE 220 PORTLAND, OR 97219 | STANDARD INSURANCE COMPANY | $120 | — | $120 | 0.09% |
| GUNNESS BENEFITS GROUP3 | 7340 SW HUNZIKER STREET SUITE 200 PORTLAND, OR 97223 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.03% |
| GUNNESS BENEFITS GROUP3 | 7340 SOUTHWEST HUNZIKER STREET SUITE 220 PORTLAND, OR 97223 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 13.16% |
| GUNNESS BENEFITS GROUP3 | 7340 SOUTHWEST HUNZIKER STREET SUITE 220 PORTLAND, OR 97223 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.19% |
| THERESA S GUNNESS3 Filed as: THERESA GUNNESS | 7340 SOUTHWEST HUNZIKER STREET SUITE 220 PORTLAND, OH 97223 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.18% |
| GUNNESS BEN3 | 7340 SOUTHWEST HUNZIKER STREET SUITE 220 PORTLAND, OR 97219 | STANDARD INSURANCE COMPANY | $182 | — | $182 | 0.89% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 210 | $1.7M |
| Dental | STANDARD INSURANCE COMPANY | 219 | $131K |
| Vision | STANDARD INSURANCE COMPANY | 216 | $21K |
| Life insurance | STANDARD INSURANCE COMPANY | 227 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY | 225 | $49K |
| Long-term disability | STANDARD INSURANCE COMPANY | 88 | $24K |
| Other | STANDARD INSURANCE COMPANY | 227 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.