| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.16% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | — | $286 | $286 | 0.03% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $6K | $7K | 3.87% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OREGON LLC | 2000 PACIFIC AVE FOREST GROVE, OR 97116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $7K | 16.32% |
| BENEFIT & RISK MGMT. SERVICES3 | 80 IRON POINT CIR STE 200 FOLSOM, CA 95630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $264 | $264 | 0.66% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | — | $8 | $8 | 0.03% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OREGON LLC | 2000 PACIFIC AVE FOREST GROVE, OR 97116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.50% |
| BENEFIT & RISK MGMT. SERVICES3 | 80 IRON POINT CIR STE 200 FOLSOM, CA 95630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $132 | $132 | 0.47% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OREGON LLC | 2000 PACIFIC AVE FOREST GROVE, OR 97116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $627 | $2K | 16.13% |
| BENEFIT & RISK MGMT. SERVICES3 | 80 IRON POINT CIR STE 200 FOLSOM, CA 95630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $340 | $340 | 3.33% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OREGON LLC | 2000 PACIFIC AVE FOREST GROVE, OR 97116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $980 | — | $980 | 12.43% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OREGON LLC | 5005 MEADOWS RD STE 402 LAKE OSWEGO, OR 97035 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $203 | $193 | $396 | 5.02% |
| BENEFIT & RISK MGMT. SERVICES3 | 80 IRON POINT CIR STE 200 FOLSOM, CA 95630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $81 | $81 | 1.03% |
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 | 147 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 146 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $183K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $183K |
| Life insurance(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $72K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $61K |
| Prescription drug(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 146 | $2.1M |
| Other(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.