| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY SHERWOOD & ASSOCIATES INC3 Filed as: LARRY SHERWOOD & ASSOCIATES, INC. | 10220 SW GREENBURG RD, STE 225 PORTLAND, OR 97223 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $7K | $7K | 0.03% |
| COMPENSATION SYSTEMS NORTHWEST, INC3 Filed as: COMPENSATION SYSTEMS NW, INC. | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $4K | $4K | 0.01% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY & GRAHAM, INC. | 412 JEFFERSON PKY, STE 100 LAKE OSWEGO, OR 97035 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $3K | $3K | 0.01% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LP | 680 HAWTHORNE AVE SE, STE 140 SALEM, OR 97301 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $3K | $3K | 0.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | P.O. BOX 29018 SPRINGFIELD, OR 97477 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $3K | $3K | 0.01% |
| JD FULWILER AND COMPANY3 Filed as: JD FULWILER & CO. INSURANCE | 5727 SW MACADAM AVE PORTLAND, OR 97239 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $1K | $1K | 0.00% |
| LAPORTE & ASSOCIATES, INC3 Filed as: LAPORTE & ASSOCIATES, INC. | 5515 SW MILWAUKIE AVE PORTLAND, OR 97202 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $1K | $1K | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE (NW) INC | 610 SW ALDER, STE 310 PORTLAND, OR 97205 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $900 | $900 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST, LLC | 12100 NE 195TH ST, STE 200 BOTHELL, WA 98041 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $660 | $660 | 0.00% |
| BOB HART INSURANCE INC3 Filed as: BOB HART INSURANCE, INC. | P.O. BOX 1240 GRANTS PASS, OR 97528 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $360 | $360 | 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 | — | $308 | $308 | 0.00% |
| WARD INSURANCE AGENCY INC3 Filed as: WARD INSURANCE AGENCY, INC. | P.O. BOX 10167 EUGENE, OR 97440 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $280 | $280 | 0.00% |
| BUSINESS INSURANCE NW LLC3 Filed as: BUSINESS INSURANCE NW, LLC | P.O. BOX 83236 PORTLAND, OR 97283 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $252 | $252 | 0.00% |
| MJ INSURANCE3 Filed as: MJI INC. | P.O. BOX 847 MCMINNVILLE, OR 97128 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $240 | $240 | 0.00% |
| CASCADE SUMMIT INSURANCE OF OREGON3 Filed as: CASCADE SUMMIT INSURANCE OF OREGON, | 1800 BLANKENSHIP RD, 150 WEST LINN, OR 97068 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $238 | $238 | 0.00% |
| STRATEGY INSURANCE LLC3 Filed as: STRATEGY INSURANCE, LLC | P.O. BOX 217 TROUTDALE, OR 97060 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $210 | $210 | 0.00% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP, LLC | 7140 SW FIR LOOP, STE 220 PORTLAND, OR 97223 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $203 | $203 | 0.00% |
| PACIFIC CASCADE ADVISORS INC3 Filed as: PACIFIC CASCADE ADVISORS, INC. | 2401 W MAIN ST, STE 108 BATTLE GROUND, WA 98604 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $120 | $120 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF WA, INC DBA DIMART EIN 91-0378940 NONE | Finders' fees / placement fees; Insurance agents and brokers; Direct payment from the plan; Consulting fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Insurance brokerage commissions and fees Service code 15 | — | $703K |
| VIGILANT SERVICES, INC. EIN 93-0877675 SUBSIDIARY OF SPONSOR | Insurance brokerage commissions and fees; Direct payment from the plan; Contract Administrator; Consulting fees; Finders' fees / placement fees; Insurance agents and brokers; Consulting (general); Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $375K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Participant communication; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Recordkeeping fees; Copying and duplicating; Contract Administrator Service code 10 | — | $256K |
| COMPENSATIONS SYSTEMS NW, INC EIN 42-1667380 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $130K |
| ALDRICH BENEFITS LP EIN 20-0407135 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $120K |
| CONSILIUM BENEFIT ADVISORS EIN 93-0973312 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $108K |
| BOB HART INSURANCE AGENCY EIN 93-0519035 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $107K |
| KPD INSURANCE, INC. EIN 93-0843355 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $79K |
| LAPORTE & ASSOCIATES, INC. EIN 93-0775110 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $79K |
| 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 | — | $67K |
| ROGUE BENEFIT PLANNING EIN 81-4526250 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $44K |
| MONTGOMERY & GRAHAM, INC. EIN 91-1819536 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $33K |
| JD FULWILER & CO. INSURANCE, INC. EIN 93-0983491 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $27K |
| WARD INSURANCE EIN 93-0963467 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $17K |
| NFP CORPORATE SERVICES (NW), INC. EIN 93-1130365 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $15K |
| SCHOEDEL & SCHOEDEL, CPAS, PLLC EIN 91-0614823 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
| BUSINESS INSURANCE NW, LLC EIN 45-3533969 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $12K |
| HUGGINS INSURANCE SERVICES, INC. EIN 93-1097978 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $12K |
| BENEFIT DESIGN GROUP, LLC EIN 93-1284679 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $9K |
| STRATEGY INSURANCE, INC. NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 217 TROUTDALE, OR 97060 | $8K |
| BROWN & BROWN NORTHWEST INSURANCE EIN 93-0518576 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $7K |
| CASCADE SUMMIT INSURANCE EIN 45-5393247 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $6K |
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 | 3,089 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,089 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 5,096 | $24.9M |
| Dental | DELTA DENTAL OF WASHINGTON | 1,149 | $432K |
| Vision | VISION SERVICE PLAN | 1,152 | $128K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 23 | $884 |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 5,096 | $24.9M |
| Other | LIFEMAP ASSURANCE COMPANY | 23 | $884 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,096 | — |
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.