| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASCADE EMPLOYERS ASSOC INC4 | 4068 HUDSON AVE NE SALEM, OR 97301 | HEALTH NET | — | — | $0 | 0.00% |
| CASCADE EMPLOYERS ASSOC INC4 | 4068 HUDSON AVE NE SALEM, OR 97301 | DELTA DENTAL PLAN OF OREGON | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CASCADE EMPLOYERS ASSOCIATION EIN 93-0497711 RELATED PARTY | Direct payment from the plan; Plan Administrator Service code 14 | — | $30K |
| CSNW BENEFITS EIN 42-1667380 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $15K |
| JONES & ROTH, P.C. EIN 93-0819646 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $11K |
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 | 371 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 371 | $2.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF OREGON | 302 | $362K |
| Vision | HEALTH NET | 371 | $2.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 106 | $9K |
| Short-term disability | STANDARD INSURANCE COMPANY | 0 | $0 |
| Long-term disability | STANDARD INSURANCE COMPANY | 1 | $330 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.