| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING, LLC. | 7632 SW DURHAM ROAD STE 115 TIGARD, OR 97224 | PROVIDENCE HEALTH PLANS | $21K | — | $21K | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OREGON INC | 222 SW COLUMBIA ST STE 600 PORTLAND, OR 97201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $9K | 6.69% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $844 | $3K | 2.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OREGON | 222 SW COLUMBIA ST STE 600 PORTLAND, OR 97201 | WILLAMETTE DENTAL INSURANCE INC | $3K | — | $3K | 4.02% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | WILLAMETTE DENTAL INSURANCE INC | $731 | — | $731 | 0.98% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | VISION SERVICE PLAN | $713 | — | $713 | 3.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OREGON INC | FILE 50781 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $515 | — | $515 | 2.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OREGON INC | 222 SW COLUMBIA ST STE 600 PORTLAND, OR 97201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $392 | $3K | 12.95% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $826 | $114 | $940 | 4.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL PLAN OF OREGON EIN 93-1263635 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $19K |
| BENEFIT HELP SOLUTIONS EIN 93-1135521 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $8K |
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 | 350 | 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) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLANS | 293 | $2.0M |
| Dental | WILLAMETTE DENTAL INSURANCE INC | 133 | $74K |
| Vision | VISION SERVICE PLAN | 237 | $23K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 325 | $162K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 325 | $141K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 325 | $141K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 325 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.