| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - SEATTLE | JEANETTE BUSBY PO BOX 19640 IRVINE, CA 92623 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $179K | — | $179K | 5.00% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST 10TH FLOOR CHICAGO, IL 60673 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $16K | — | $16K | 11.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $5K | — | $5K | 10.00% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET 10TH FLOOR CHICAGO, IL 60673 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $2K | — | $2K | 8.40% |
| PACIFIC ADVISORS LLC3 | 200 SW MARKET ST PORTLAND, OR 97201 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $10 | — | $10 | 0.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SEATTLE | 1420 5TH AVENUE STE 3020 SEATTLE, WA 98101 | UNUM INSURANCE COMPANY | $2K | $250 | $2K | 17.26% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING | 7632 SW DURHAM ROAD, SUITE 115 TIGARD, OR 97224 | UNUM INSURANCE COMPANY | -$25 | -$8 | -$33 | -0.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SEATTLE | 1420 5TH AVENUE STE 3020 SEATTLE, WA 98101 | UNUM INSURANCE COMPANY | $2K | $189 | $2K | 16.85% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING | 7632 SW DURHAM ROAD, SUITE 115 TIGARD, OR 97224 | UNUM INSURANCE COMPANY | $4 | $1 | $5 | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SEATTLE | 1420 5TH AVENUE STE 3020 SEATTLE, WA 98101 | UNUM INSURANCE COMPANY | $1K | $156 | $1K | 16.06% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING | 7632 SW DURHAM ROAD, SUITE 115 TIGARD, OR 97224 | UNUM INSURANCE COMPANY | $64 | $21 | $85 | 0.93% |
| HOPING PEOPLE LLC4 | 1550 WEST HORIZON RIDGE PARKWAY SUITE R143 HENDERSON, NV 89012 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $230 | — | $230 | 7.22% |
| AON CONSULTING INC4 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | — | $25 | 0.78% |
| JEFFREY MARLEY SR4 | 2915 COUNTRY CLUB DR CAMERON PARK, CA 95682 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | — | $24 | 0.75% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 482 | $3.6M |
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 500 | $233K |
| Vision | VISION SERVICE PLAN | 201 | $49K |
| Life insurance | THE GUARDIAN LIFE INSURANCE OF AMERICA | 254 | $143K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE OF AMERICA | 254 | $166K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE OF AMERICA | 254 | $143K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 482 | $3.6M |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE OF AMERICA | 254 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.