| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASCADE EMPLOYERS ASSOC INC3 Filed as: CASCADE EMPLOYERS ASSOC | 3747 MARKET ST NE SALEM, OR 97301 | HEALTH NET | $37K | — | $37K | 3.00% |
| CASCADE EMPLOYERS ASSOC INC3 Filed as: CASCADE EMPLOYERS ASSOC | 4068 HUDSON AVENUE NE SALEM, OR 97301 | KAISER PERMANENTE | $4K | — | $4K | 3.40% |
| CASCADE EMPLOYERS ASSOC INC3 Filed as: CASCADE EMPLOYERS ASSOC | 4068 HUDSON AVENUE NE SALEM, OR 97230 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CASCADE EMPLOYERS ASSOCIATION EIN 93-0497711 RELATED PARTY | Plan Administrator; Insurance brokerage commissions and fees; Other commissions; Direct payment from the plan Service code 14 | — | $72K |
| BENEFIT PARTNERS ASSOCIATES EIN 93-1301255 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $29K |
| BOLDT, CARLISLE SMITH EIN 93-0570615 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
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 | 734 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 140 | $1.3M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL PLAN OF OREGON | 555 | $658K |
| Vision | HEALTH NET | 140 | $1.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 160 | $16K |
| Short-term disability | STANDARD INSURANCE COMPANY | 21 | $6K |
| Long-term disability | STANDARD INSURANCE COMPANY | 25 | $7K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH NET | 140 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.