| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON, INC. | 5005 MEADOWS ROAD, SUITE 415 LAKE OSWEGO, OR 97035 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $54K | $54K | 2.30% |
| USI INSURANCE SERVICES LLC3 | 825 NE MULTNOMAH STREET, SUITE 1500 PORTLAND, OR 97232 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $18K | $18K | 0.79% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON, INC. | 50 CALIFORNIA STREET, 12TH FLOOR SAN JOSE, CA 94111 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $3K | $0 | $3K | 2.23% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $1K | $0 | $1K | 0.75% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON, INC. | 5005 MEADOWS ROAD, SUITE 415 LAKE OSWEGO, OR 97035 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 6.05% |
| UNKNOWN3 | UNKNOWN PORTLAND, OR 97204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 3.78% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.87% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON, INC. | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $622 | $0 | $622 | 2.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $209 | $0 | $209 | 0.76% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 343 | $2.3M |
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 339 | $145K |
| Vision | VISION SERVICE PLAN | 153 | $28K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $108K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $108K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $108K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 343 | $2.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.