| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | 601 SW 2ND AVE SUITE 1200 PORTLAND, OR 97296 | AETNA LIFE INSURANCE CO. | $627 | — | $627 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | 601 SW 2ND AVE STE 1200 PORTLAND, OR 97204 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $482 | $3K | 9.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $203 | $475 | $678 | 2.04% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $380 | $380 | 1.14% |
| MICHAEL LEROY ALLEY3 Filed as: MICHAEL R WILLIG | 2 CENTERPOINTE DR., STE. 100 LAKE OSWEGO, OR 97035 | NORTHWESTERN MUTUAL | $6K | $1K | $7K | 22.96% |
| BROOK ELIZABETH SNODGRASS3 | 2 CENTERPOINTE DR., STE. 100 LAKE OSWEGO, OR 97035 | NORTHWESTERN MUTUAL | $1K | $362 | $2K | 5.74% |
| CAM GROUP LLC3 Filed as: CAM GROUP, LLC | 200 SW MARKET ST STE. 1600 PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $1K | $194 | $1K | 4.24% |
| ROBERT GLEN METLER3 | 2 CENTERPOINTE DR., STE. 100 LAKE OSWEGO, OR 97035 | NORTHWESTERN MUTUAL | $418 | $150 | $568 | 1.81% |
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 | 374 | 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) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 239 | $606K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $33K |
| Vision | AETNA LIFE INSURANCE CO. | 239 | $606K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $33K |
| Short-term disability | NORTHWESTERN MUTUAL | 139 | $31K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
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.