| 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 | $80K | — | $80K | 1.93% |
| WILLIS TOWERS WATSON US LLC | 300 SOUTH GRAND AVE 2000 LOS ANGELES, CA 90071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $283K | — | $283K | 12.42% |
| ELIZABETH GRELLNER | WILLIS TOWERS WATSON 7733 FORSYTH BLVD STE 1350 ST LOUIS, MO 631051817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233K | — | $233K | 10.22% |
| RUTH LARKIN3 | 220 N GREEN ST CHICAGO, IL 60607 | COMBINED INSURANCE | $113K | — | $113K | 10.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 222 SW COLUMBIA ST STE 600 PORTLAND, OR 97201 | COMBINED INSURANCE | $23K | — | $23K | 2.20% |
| J MANNING AND ASSOCIATES3 | 220 N GREEN ST CHICAGO, IL 60607 | COMBINED INSURANCE | $15K | — | $15K | 1.47% |
| LTCI PARTNERS LLC3 | 500 W MADISON ST 32ND FLOOR CHICAGO, IL 60661 | COMBINED INSURANCE | $15K | — | $15K | 1.47% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 1001 SW 5TH AVE STE 1000 PORTLAND, OR 97204 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $43K | — | $43K | 13.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD FIRE INSURANCE | — | $3K | $3K | — |
| WOODRUFF-SAWYER & CO3 | 5005 MEADOWS ROAD SUITE 415 LAKE OSWEGO, OR 97035 | HARTFORD FIRE INSURANCE | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC SOURCE EIN 93-0245545 NONE | Contract Administrator Service code 13 | 110 INTERNATIONAL WAY SPRINGFIELD, OR 97477 | $4.4M |
| BROADSPIRE SERVICES INC EIN 36-3917295 NONE | Claims processing Service code 12 | 5335 TRIANGLE PKWY PEACHTREE CORNERS, GA 300922709 | $1.6M |
| CASCADE CENTERS EIN 93-0774210 NONE | Consulting (general); Contract Administrator Service code 13 | 7180 SW FIR LOOP 100 TIGARD, OR 972238077 | $744K |
| MODA EIN 93-0989307 NONE | Contract Administrator Service code 13 | 601 SW 2ND AVE PORTLAND, OR 972043154 | $732K |
| BRIGHT HORIZONS FAMILY SOLN EIN 80-0188248 NONE | Contract Administrator Service code 13 | PO BOX 277878 ATLANTA, GA 303847878 | $435K |
| MAJORIS HEALTH SYSTEM EIN 93-1054526 NONE | Contract Administrator Service code 13 | PO BOX 1728 LAKE OSWEGO, OR 97035 | $239K |
| BSWIFT LLC EIN 36-4391310 NONE | Contract Administrator Service code 13 | PO BOX 860470 MINNEAPOLIS, MN 55486 | $204K |
| INSPHIRE EIN 47-5361985 NONE | Contract Administrator Service code 13 | 228 PARK AVE S PMB 54085 NEW YORK, NY 10003 | $181K |
| GEN DIGITAL INC EIN 77-0181864 NONE | Contract Administrator Service code 13 | 60 E RIO SALADO PKWY 1000 TEMPE, AZ 852819124 | $175K |
| 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 | $41K |
| DAVIS WRIGHT EIN 91-0839480 NONE | Legal Service code 29 | 1300 SW FIFTH AVENUE SUITE 2400 PORTLAND, OR 97201 | $22K |
| PINNACLE ACTUARIAL RESOURCES EIN 11-3669570 NONE | Actuarial Service code 11 | 3109 CORNELIUS DR BLOOMINGTON, IL 617046448 | $16K |
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 | 12,872 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 12,872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE & ACCIDENT | 0 | $4.1M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,986 | $2.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $444K |
| Other(3 contracts, 3 carriers) | COMBINED INSURANCE | 2,996 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,986 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.