| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING | 7632 SW DURHAM ROAD, SUITE 115 TIGARD, OR 97224 | AETNA LIFE INSURANCE COMPANY | $0 | $77K | $77K | 0.55% |
| JOHN J DAVIDSON3 Filed as: JOHN J. DAVIDSON | 7632 SW DURHAM ROAD, SUITE 115 TIGARD, OR 97224 | BLUE CROSS OF IDAHO | $27K | $0 | $27K | 2.40% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING | 7632 SW DURHAM ROAD, SUITE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89K | $21K | $110K | 14.38% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING | 7632 SW DURHAM ROAD, SUITE 115 TIGARD, OR 97224 | UNUM INSURANCE COMPANY | $29K | $5K | $35K | 18.88% |
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 | 2,942 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2,461 | $14.0M |
| Dental | BLUE CROSS OF IDAHO | 2,072 | $1.1M |
| Vision | BLUE CROSS OF IDAHO | 2,072 | $1.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,556 | $763K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,556 | $763K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,556 | $763K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 2,461 | $14.0M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 2,556 | $15.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,556 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.