| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | HEALTH NET | $23K | $0 | $23K | 5.00% |
| MICHAEL LEROY ALLEY3 Filed as: MICHAEL WILLIG | 1 CENTERPOINTE DR., STE. 120 LAKE OSWEGO, OR 97035 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $2K | $604 | $3K | 8.83% |
| MATTHEW DAVID MURALT3 Filed as: MATTHEW MURALT | 1 CENTERPOINTE DR., STE. 120 LAKE OSWEGO, OR 97035 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $397 | $94 | $491 | 1.46% |
| CAM GROUP LLC3 Filed as: CAM GROUP, LLC | 200 SW MARKET ST., STE. 1600 PORTLAND, OR 97201 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $353 | $31 | $384 | 1.14% |
| BROOK ELIZABETH SNODGRASS3 | 1 CENTERPOINTE DR., STE. 120 LAKE OSWEGO, OR 97035 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $10 | $2 | $12 | 0.04% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | LIFEMAP ASSURANCE COMPANY | $1K | $0 | $1K | 5.52% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 116 | $463K |
| Dental | LIFEMAP ASSURANCE COMPANY | 190 | $26K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 190 | $26K |
| Short-term disability | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 155 | $34K |
| Long-term disability | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 155 | $34K |
| Prescription drug | HEALTH NET | 116 | $463K |
| Other | LIFEMAP ASSURANCE COMPANY | 190 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
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.