| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES MENEZES3 | PACIFIC BENEFIT CONSULTANTS INC 450 COUNTRY CLUB RD, STE 330 EUGENE, OR 97401 | PACIFIC SOURCE HEALTH PLANS | $29K | — | $29K | 1.53% |
| ALDRICH BENEFITS LP3 | 680 HAWTHORNE AVE SE STE 140 SALEM, OR 97301 | PACIFIC SOURCE HEALTH PLANS | $8K | — | $8K | 0.44% |
| PACIFIC BENEFIT CONSULTANTS3 Filed as: PACIFIC BENEFIT CONSULTANTS INC | 450 COUNTRY CLUB RD # 330 EUGENE, OR 97401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.27% |
| ALDRICH BENEFITS LP3 | PO BOX 35142 SEATTLE, WA 98124 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.73% |
| PACIFIC BENEFIT CONSULTANTS3 | 450 COUNTRY CLUB RD, # 330 EUGENE, OR 97401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.60% |
| ALDRICH BENEFITS LP3 | PO BOX 35142 SEATTLE, WA 98124 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $393 | — | $393 | 2.40% |
| PACIFIC BENEFIT CONSULTANTS3 Filed as: PACIFIC BENEFIT CONSULTANTS INC | 450 COUNTRY CLUB RD # 330 EUGENE, OR 97401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.29% |
| ALDRICH BENEFITS LP3 | PO BOX 35142 SEATTLE, WA 98124 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $378 | — | $378 | 3.71% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFIC SOURCE HEALTH PLANS | 211 | $1.9M |
| Dental | PACIFIC SOURCE HEALTH PLANS | 211 | $1.9M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $39K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.