| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 2329 LAKE OSWEGO, OR 97035 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $33K | $35K | 3.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | OREGON DENTAL SERVICES DBA DELTA DENTAL PLAN OF OREGON | $3K | $0 | $3K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 2329 LAKE OSWEGO, OR 97035 | AFLAC | $3K | $0 | $3K | 6.91% |
| KEVIN WINBORNE3 Filed as: KEVIN WINBORNE AND OTHER AGENTS | 20067 SW 57TH TERRACE TUALATIN, OR 97062 | AFLAC | $2K | $172 | $2K | 4.52% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINIER PLACE WEST LINN, OR 97068 | AFLAC | $1K | $118 | $1K | 3.13% |
| STEPHANIE JOELAINE THOMAS ROID3 | 780 NW GARDEN VALLEY BOULEVARD SUITE 64 ROSEBURG, OR 97471 | AFLAC | $998 | $0 | $998 | 2.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EMILY MCLENNAN | 544 WEST 20TH AVENUE EUGENE, OR 67405 | AFLAC | $442 | $127 | $569 | 1.21% |
| BRYAN G CORBIN LLC3 Filed as: BRYAN G. CORBIN LLC | 18625 PILKINGTON ROAD LAKE OSWEGO, OR 97035 | AFLAC | $305 | $39 | $344 | 0.73% |
| TYLER JACOB JORAMO3 | 3101 PERIWINKLE STREET FOREST GROVE, OR 97116 | AFLAC | $297 | $40 | $337 | 0.72% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $1.0M |
| Dental | OREGON DENTAL SERVICES DBA DELTA DENTAL PLAN OF OREGON | 208 | $114K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $1.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $1.0M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $1.0M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.