| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LLP | 5665 SW MEADOWS RD., SUITE 200 LAKE OSWEGO, OR 97035 | PROVIDENCE HEALTH PLAN | $186K | $13K | $200K | 3.19% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LLP | 5665 SW MEADOWS RD., SUITE 200 LAKE OSWEGO, OR 97035 | KAISER PERMANENTE | $64K | $7K | $71K | 3.29% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LLP | 5665 SW MEADOWS RD., SUITE 200 LAKE OSWEGO, OR 97035 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $22K | — | $22K | 3.08% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LLP | 5665 SW MEADOWS RD., SUITE 200 LAKE OSWEGO, OR 97035 | OREGON'S HEALTH CO-OP | $21K | $5K | $26K | 4.81% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LLP | 5665 SW MEADOWS RD., SUITE 200 LAKE OSWEGO, OR 97035 | WILLAMETTE DENTAL GROUP | $9K | $0 | $9K | 10.00% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LLP | 5665 SW MEADOWS RD., SUITE 200 LAKE OSWEGO, OR 97035 | VISION SERVICE PLAN | $2K | — | $2K | 2.79% |
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 | 1,411 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PROVIDENCE HEALTH PLAN | 629 | $9.0M |
| Dental(3 contracts, 3 carriers) | KAISER PERMANENTE | 620 | $3.0M |
| Vision(2 contracts, 2 carriers) | KAISER PERMANENTE | 694 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.