| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $118 | $13K | 11.05% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $193 | — | $193 | 0.16% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 32.34% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 1050 SW 6TH AVE STE 1000 PORTLAND, OR 97204 | METROPOLITAN LIFE INSURANCE COMPANY | $319 | — | $319 | 6.52% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $9 | — | $9 | 0.18% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 1050 SW 6TH AVE STE 1000 PORTLAND, OR 97204 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 28.38% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | — | $8 | 0.17% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 1050 SW 6TH AVE STE 1000 PORTLAND, OR 97204 | METROPOLITAN LIFE INSURANCE COMPANY | $187 | — | $187 | 4.01% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | — | $5 | 0.11% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 26 | $14K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 102 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $120K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $120K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $120K |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.