| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PL E STE 300 FRESNO, CA 93720 | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | — | $36K | $36K | 4.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FL 6 SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHEILD OF ORE EIN 93-0238155 CLAIMS PROCESSING | Contract Administrator; Direct payment from the plan; Claims processing; Insurance brokerage commissions and fees; Other services; Non-monetary compensation; Float revenue Service code 12 | — | $234K |
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 | 431 | 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) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 517 | $1.1M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL PLAN OF OREGON | 396 | $549K |
| Vision | VISION SERVICE PLAN | 222 | $56K |
| Prescription drug | RXBENEFITS, INC. | 262 | $0 |
| Stop-loss / reinsurancereinsurance | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 517 | $892K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 385 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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."
No prospect flags tripped on this filing.