| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 29 SPRINGFIELD, OR 97477 | PACIFICSOURCE HEALTH PLANS | $29K | $0 | $29K | 2.76% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | 1111 GATEWAY LOOP SPRINGFIELD, OR 97477 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 9.26% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 784 SPRINGFIELD, OR 97477 | PRINCIPAL LIFE INSURANCE COMPANY | $484 | $0 | $484 | 0.48% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 29 SPRINGFIELD, OR 97477 | WILLAMETTE DENTAL INSURANCE, INC. | $1K | $0 | $1K | 4.00% |
| RYAN GEORGE KRUIT3 | 612 SW GLENEDEN PLACE BEND, OR 97702 | AFLAC | $381 | $72 | $453 | 3.56% |
| PHILLIP GREGORY HETZ3 | 19871 PORCUPINE DRIVE BEND, OR 97702 | AFLAC | $369 | $20 | $389 | 3.06% |
| DOREEN HETZ3 Filed as: DOREEN W. HETZ | 19871 PORCUPINE DRIVE BEND, OR 97702 | AFLAC | $272 | $0 | $272 | 2.14% |
| MJ INSURANCE3 Filed as: DIXIE SIMON AND VARIOUS AGENTS | 509 NORTH SHAMROCK ROAD SPOKANE VALLEY, WA 99037 | AFLAC | $233 | $0 | $233 | 1.83% |
| JEAN CONGLETON3 | 21143 BEE TREE LANE BEND, OR 97701 | AFLAC | $136 | $0 | $136 | 1.07% |
| GUY R SOUTER3 Filed as: GUY R. SOUTER | PO BOX 1283 LA PINE, OR 97739 | AFLAC | $114 | $0 | $114 | 0.90% |
| RICHARD J ROSS3 Filed as: RICHARD J. ROSS | 1337 NE BARNEY STREET PRINEVILLE, OR 97754 | AFLAC | $82 | $0 | $82 | 0.65% |
| JEAN CONGLETON3 | 21143 BEE TREE LANE BEND, OR 97701 | AFLAC | $207 | $0 | $207 | 2.60% |
| DOREEN HETZ3 Filed as: DOREEN W. HETZ | 19871 PORCUPINE DRIVE BEND, OR 97702 | AFLAC | $150 | $0 | $150 | 1.89% |
| MJ INSURANCE3 Filed as: RYAN KRUIT AND VARIOUS AGENTS | 612 SE GLENEDEN PLACE BEND, OR 97702 | AFLAC | $150 | $0 | $150 | 1.89% |
| GUY R SOUTER3 Filed as: GUY R. SOUTER | PO BOX 1283 LA PINE, OR 97739 | AFLAC | $120 | $0 | $120 | 1.51% |
| PHILLIP GREGORY HETZ3 | 19871 PORCUPINE DRIVE BEND, OR 97702 | AFLAC | $114 | $0 | $114 | 1.43% |
| CHARLES N. ENDICOTT3 | 1188 NE 27TH STREET, UNIT 46 BEND, OR 97701 | AFLAC | $104 | $0 | $104 | 1.31% |
| ROGER L OLSON3 Filed as: ROGER L. OLSON | 471 DAVIS LAKE ROAD USK, WA 99180 | AFLAC | $50 | $0 | $50 | 0.63% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 784 SPRINGFIELD, OR 97477 | TELEDOC | $377 | $0 | $377 | 6.91% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PACIFICSOURCE HEALTH PLANS | 160 | $1.0M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $128K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $100K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $121K |
| Short-term disability(2 contracts) | AFLAC | 14 | $21K |
| Prescription drug | PACIFICSOURCE HEALTH PLANS | 152 | $1.0M |
| Other(4 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.