| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 50 CALIFORNIA ST FLOOR 12 SAN FRANCISCO, CA 94111 | HARTFORD LIFE & ACCIDENT | $113K | — | $113K | 2.49% |
| ELIZABETH GRELLNER | 101 S HANLEY ROAD STE 900 ST LOIUS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $230K | — | $230K | 10.11% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $204K | — | $204K | 8.96% |
| RUTH LARKIN3 | 220 N GREEN ST CHICAGO, IL 60607 | COMBINED INSURANCE | $148K | — | $148K | 12.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 222 SW COLUMBIA ST STE 600 PORTLAND, OR 97201 | COMBINED INSURANCE | $39K | — | $39K | 3.39% |
| J MANNING AND ASSOCIATES3 | 220 N GREEN ST CHICAGO, IL 60607 | COMBINED INSURANCE | $26K | — | $26K | 2.26% |
| LTCI PARTNERS LLC3 | 500 W MADISON ST 32ND FLOOR CHICAGO, IL 60661 | COMBINED INSURANCE | $26K | — | $26K | 2.26% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 1001 SW 5TH AVE STE 1000 PORTLAND, OR 97204 | HARTFORD LIFE AND ACCIDENT | $11K | $3K | $15K | 3.49% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $34K | — | $34K | 13.58% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD FIRE INSURANCE | — | $3K | $3K | 17.00% |
| WOODRUFF-SAWYER & CO3 | 5005 MEADOWS ROAD SUITE 415 LAKE OSWEGO, OR 97035 | HARTFORD FIRE INSURANCE | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC SOURCE EIN 93-0245545 NONE | Contract Administrator Service code 13 | 110 INTERNATIONAL WAY SPRINGFIELD, OR 97477 | $4.5M |
| BROADSPIRE SERVICES INC EIN 36-3917295 NONE | Claims processing Service code 12 | 5335 TRIANGLE PKWY PEACHTREE CORNERS, GA 300922709 | $1.4M |
| SEDGWICK CLAIMS MANAGEMENT SERVICES EIN 36-2685608 NONE | Claims processing Service code 12 | 1100 RIDGEWAY LOOP ROAD MEMPHIS, TN 38120 | $879K |
| MODA EIN 93-0989307 NONE | Contract Administrator Service code 13 | 601 SW 2ND AVE PORTLAND, OR 972043154 | $726K |
| CASCADE CENTERS EIN 93-0774210 NONE | Contract Administrator Service code 13 | 7180 SW FIR LOOP 1A TIGARD, OR 972238023 | $626K |
| BRIGHT HORIZONS FAMILY SOLN EIN 80-0188248 NONE | Contract Administrator Service code 13 | PO BOX 277878 ATLANTA, GA 303847878 | $447K |
| BSWIFT LLC EIN 36-4391310 NONE | Contract Administrator Service code 13 | PO BOX 860470 MINNEAPOLIS, MN 55486 | $194K |
| GEN DIGITAL INC EIN 77-0181864 NONE | Contract Administrator Service code 13 | 60 E RIO SALADO PKWY 1000 TEMPE, AZ 852819124 | $136K |
| MILLIMAN INC EIN 91-0675641 NONE | Actuarial; Consulting (general) Service code 11 | 111 SW 5TH AVE 3700 PORTLAND, OR 97204 | $120K |
| MANAGED HEALTHCARE NORTHWEST, INC EIN 93-0914759 AFFILIATE OF PLAN SPONSOR | Claims processing Service code 12 | 1919 NW LOVEJOY STREET PORTLAND, OR 97209 | $72K |
| FIRST AMERICAN ADMINISTRATORS, INC. EIN 86-0773195 NONE | Contract Administrator Service code 13 | 14670 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | $66K |
| COL-TAB EIN 93-0853783 NONE | Copying and duplicating Service code 36 | 1919 SE BELMONT PORTLAND, OR 972140928 | $37K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Consulting (general) Service code 16 | 600 UNIVERSITY ST SEATTLE, WA 981011176 | $30K |
| OGLETREE DEAKINS EIN 57-1044820 NONE | Legal Service code 29 | 222 SW COLUMBIA ST SUITE 1500 PORTLAND, OR 97201 | $29K |
| PINNACLE ACTUARIAL RESOURCES EIN 11-3669570 NONE | Actuarial Service code 11 | 3109 CORNELIUS DR BLOOMINGTON, IL 617046448 | $16K |
| SELECT ACTUARIALS EIN 62-1767300 NONE | Actuarial Service code 11 | 28 WHITE BRIDGE RD 205 NASHVILLE, TN 372051428 | $7K |
| WOODRUFF-SAWYER & CO EIN 94-1625126 NONE | Other services Service code 49 | PO BOX 7466 SAN FRANCISCO, CA 941207466 | $5K |
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 | 12,977 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 12,977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE & ACCIDENT | 0 | $4.5M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,073 | $2.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $416K |
| Other(3 contracts, 3 carriers) | COMBINED INSURANCE | 2,554 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,073 | — |
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.