| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISKPOINT INSURANCE ADVISORS LLC3 Filed as: RISKPOINT INSURANCE ADVISORS | 5285 MEADOWS RD STE 242 LAKE OSWEGO, OR 97035 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | — | $58K | 15.89% |
| RISKPOINT INSURANCE ADVISORS LLC3 Filed as: RISKPOINT INSURANCE ADVISORS | 700 NE MULTNOMAH STE 450 PORTLAND, OR 97232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.83% |
| RISKPOINT INSURANCE ADVISORS LLC3 Filed as: RISKPOINT INSURANCE ADVISORS | 700 NE MULTNOMAH STE 450 PORTLAND, OR 97232 | WILLAMETTE DENTAL GROUP | $5K | — | $5K | 5.00% |
| RISKPOINT INSURANCE ADVISORS LLC3 Filed as: RISKPOINT INSURANCE ADVISORS | 700 NE MULTNOMAH STE 450 PORTLAND, OR 97232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 14.68% |
| RISKPOINT INSURANCE ADVISORS LLC3 Filed as: RISKPOINT INSURANCE ADVISORS | 700 NE MULTNOMAH STE 450 PORTLAND, OR 97232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 20.50% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC/EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 330 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Direct payment from the plan; Float revenue; Other services; Contract Administrator; Participant communication; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $57K |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $401K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $463K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $366K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $195K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $168K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $133K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $366K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $366K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.