| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 300 N BEACH ST DAYTONA BEACH, FL 32114 | DELTA DENTAL PLAN OF OREGON | $5K | — | $5K | 2.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | 610 SW ALDER STE 310 PORTLAND, OR 97205 | DELTA DENTAL PLAN OF OREGON | $3K | — | $3K | 1.46% |
| BROWN & BROWN INSURANCE SERVICES3 | 601 SW 2ND AVE STE 1200 PORTLAND, OR 97204 | GUARDIAN | $8K | $327 | $8K | 9.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BOULEVARD STE 600 PLEASANT HILL, CA 94523 | GUARDIAN | $2K | $1K | $3K | 3.41% |
| NFP INSURANCE SERVICES INC3 | 9450 SW GEMINI DR PMB 91266 BEAVERTON, OR 97008 | GUARDIAN | $3K | — | $3K | 2.94% |
| ALTERITY GROUP3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8777 N GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | GUARDIAN | $2K | — | $2K | 1.82% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF OREGON | 379 | $212K |
| Vision | GUARDIAN | 131 | $87K |
| Life insurance | GUARDIAN | 131 | $87K |
| Short-term disability | GUARDIAN | 131 | $87K |
| Long-term disability | GUARDIAN | 131 | $87K |
| Other | GUARDIAN | 131 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.