| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOB HART INSURANCE INC3 Filed as: BOB HART INSURANCE, INC. | P.O. BOX 1240 GRANTS PASS, OR 97528 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $4K | — | $4K | 0.03% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | P.O. BOX 29 SPRINGFIELD, OR 97477 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $4K | — | $4K | 0.02% |
| AKT BENEFIT ADVISORS LP3 | 680 HAWTHORNE AVE SE STE 140 SALEM, OR 97301 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $3K | — | $3K | 0.01% |
| LAPORTE & ASSOCIATES, INC3 Filed as: LAPORTE & ASSOCIATES INC | 5515 SE MILWAUKIE AVE PORTLAND, OR 97202 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $2K | — | $2K | 0.01% |
| COMPENSATION SYSTEMS NORTHWEST, INC3 Filed as: COMPENSATION SYSTEMS NW INC | 2501 SW 1ST AVE STE 320 PORTLAND, OR 97201 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $2K | — | $2K | 0.01% |
| MJ INSURANCE3 Filed as: MJI INC | P.O. BOX 847 MCMINNVILLE, OR 97128 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $2K | — | $2K | 0.01% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY & GRAHAM, INC. | 412 JEFFERSON PKY, STE 100 LAKE OSWEGO, OR 97035 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $2K | — | $2K | 0.01% |
| WARD INSURANCE AGENCY INC3 | P.O. BOX 10167 EUGENE, OR 97440 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $2K | — | $2K | 0.01% |
| PACIFIC CASCADE ADVISORS INC3 | 2401 W MAIN ST STE 108 BATTLE GROUND, WA 98604 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $2K | — | $2K | 0.01% |
| PACIFIC CASCADE ADVISORS INC3 | 1710 W MAIN ST STE 113 BATTLE GROUND, WA 98604 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $1K | — | $1K | 0.01% |
| BCI GROUP, INC.3 Filed as: BCI GROUP INC | 6797 SE LAKE RD PORTLAND, OR 97267 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $720 | — | $720 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | P.O. BOX 29018 PORTLAND, OR 97296 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $640 | — | $640 | 0.00% |
| WALTZ SHERIDAN CRAWFORD INC.3 | P.O. BOX 128 FOREST GROVE, OR 97116 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $98 | — | $98 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF WA, INC DBA DIMART EIN 91-0378940 NONE | Consulting (general); Finders' fees / placement fees; Insurance agents and brokers; Consulting fees; Insurance services; Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $382K |
| VIGILANT SERVICES, INC. EIN 93-0877675 SUBSIDIARY OF SPONSOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance brokerage commissions and fees; Finders' fees / placement fees; Insurance services; Insurance agents and brokers; Consulting (general); Consulting fees; Direct payment from the plan Service code 13 | — | $231K |
| ALDRICH BENEFITS AKT BENEFIT ADV LP EIN 20-0407135 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $170K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Copying and duplicating; Accounting (including auditing); Participant communication; Direct payment from the plan; Contract Administrator; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $170K |
| HART INSURANCE EIN 93-0519035 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $67K |
| COMPENSATIONS SYSTEMS NW, INC EIN 42-1667380 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $55K |
| KPD INSURANCE, INC. EIN 93-0843355 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $50K |
| MJI INSURANCE/ HAGAN HAMILTON EIN 93-1067008 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $43K |
| MONTGOMERY & GRAHAM, INC. EIN 91-1819536 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $35K |
| WARD INSURANCE EIN 93-0963467 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $29K |
| LARRY SHERWOOD & ASSOCIATES EIN 93-0973312 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $25K |
| PACIFIC CASCADE ADVISORS DBA GOLSAN EIN 91-1843783 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $22K |
| LAPORTE & ASSOCIATES, INC. EIN 93-0775110 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $20K |
| BCI GROUP EIN 91-1180126 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $18K |
| SCHOEDEL & SCHOEDEL, CPAS, PLLC EIN 91-0614823 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
| HUB INTERNATIONAL NW, LLC NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 12100 NE 195TH ST STE 200 BOTHELL, WA 980115768 | $13K |
| BUSINESS INSURANCE NW, LLC EIN 45-3533969 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $12K |
| BROWN & BROWN NORTHWEST INSURANCE EIN 93-0518576 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $9K |
| BOB HART INSURANCE AGENCY NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 321 SE I ST GRANTS PASS, OR 975263046 | $8K |
| AMERIFLEX EIN 27-2256926 NONE | Copying and duplicating; Direct payment from the plan; Participant communication; Recordkeeping fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $7K |
| FRAZIER BENEFITS GROUP NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 19201 NW KRIEGER ROAD RIDGEFIELD, WA 986428542 | $6K |
| CASCADE SUMMIT INSURANCE EIN 45-5393247 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $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 | 2,207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 3,973 | $17.0M |
| Dental | DELTA DENTAL PLAN OF OREGON (MODA) | 822 | $626K |
| Vision | VISION SERVICE PLAN | 742 | $94K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 3,973 | $17.0M |
| Other | RELIANT BEHAVIORAL HEALTH, LLC | 48 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,973 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.