| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | HARTFORD LIFE AND ACCIDENT | $55K | $732 | $56K | 7.09% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | HARTFORD LIFE AND ACCIDENT | $39K | $4K | $43K | 16.54% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 2.78% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | WILLAMETTE DENTAL INSURANCE INC | $9K | $0 | $9K | 5.00% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LLC | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | — | $28K | 24.59% |
| JOSEPH JOHN CANEPA3 | 61390 HUCKLEBERRY PLACE BEND, OR 97702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 6.22% |
| DAVID ROJAS3 | 169 EAGLE RIDGE DR E PUYALLUP, WA 98374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.01% |
| RYAN GEORGE KRUIT3 | 612 GLENDEN PLACE BEND, OR 97702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $875 | — | $875 | 0.77% |
| JAMES S SARANTIS3 Filed as: JAMES STEPHEN SARANTIS | 14132 SE FIRCREST CT PORTLAND, OR 97236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $439 | — | $439 | 0.39% |
| KATE THOMAS GROUP INC3 | 2660 NE HWY 20 STE 610 332 BEND, OR 97701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $196 | — | $196 | 0.17% |
| KYONG HIU GOINS3 | 7711 27TH AVE SEATTLE, WA 98126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE SUITE 100 PORTLAND, OR 97223 | MEDICAL AIR SERVICES ASSOCIATION, INC | $7K | $0 | $7K | 22.25% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | HARTFORD LIFE AND ACCIDENT | $1K | $100 | $1K | 16.15% |
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 | 1,038 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL INSURANCE INC | 212 | $174K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 947 | $257K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 19 | $9K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 947 | $257K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 947 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 947 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.