| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY W. HARDING3 | 2 CENTERPOINTE DRIVE, SUITE 100 LAKE OSWEGO, OR 97035 | NORTHWESTERN MUTUAL | $1K | $618 | $2K | 3.48% |
| GARTH N. WILDE3 | 1111 W. JEFFERSON STREET, SUITE 540 BOISE, ID 83702 | NORTHWESTERN MUTUAL | $496 | $125 | $621 | 1.04% |
| CAM GROUP LLC3 | 200 S.W. MARKET STREET, SUITE 1600 PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $145 | $17 | $162 | 0.27% |
| BAILEY INSURANCE GROUP3 | 1111 W. JEFFERSON STREET, SUITE 540 BOISE, ID 83702 | NORTHWESTERN MUTUAL | $50 | $6 | $56 | 0.09% |
| NEWPORT GROUP3 Filed as: THE NEWPORT GROUP | 300 INTERNATIONAL PKWY., SUITE 270 HEATHROW, FL 32746 | NORTHWESTERN MUTUAL | $36 | $9 | $45 | 0.08% |
| CAROLINA CONDREY GROUP3 | 1201 EDWARDS MILL ROAD, SUITE 200 RALEIGH, NC 27607 | NORTHWESTERN MUTUAL | $4 | $1 | $5 | 0.01% |
| GARY W. HARDING3 | 2 CENTERPOINTE DRIVE, SUITE 100 LAKE OSWEGO, OR 97035 | NORTHWESTERN MUTUAL | $892 | $379 | $1K | 3.68% |
| GARTH N. WILDE3 | 1111 W. JEFFERSON STREET, SUITE 540 BOISE, ID 83702 | NORTHWESTERN MUTUAL | $297 | $75 | $372 | 1.08% |
| CAM GROUP LLC3 | 200 S.W. MARKET STREET, SUITE 1600 PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $93 | $11 | $104 | 0.30% |
| BAILEY INSURANCE GROUP3 | 1111 W. JEFFERSON STREET, SUITE 540 BOISE, ID 83702 | NORTHWESTERN MUTUAL | $31 | $4 | $35 | 0.10% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 31 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts) | NORTHWESTERN MUTUAL | 22 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22 | — |
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.