| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST MISSOULA, MT 59808 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $684 | $2K | 4.61% |
| DENNIS W. WARNEKE3 | 4467 THUNDER VISTA LANE LAKE OSWEGO, OR 97035 | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.58% |
| WARNEKE GROUP LLC THE3 Filed as: THE WARNEKE GROUP, LLC | 5200 MEADOWS ROAD SUITE 150 LAKE OSWEGO, OR 97035 | GUARDIAN LIFE INSURANCE COMPANY | $330 | — | $330 | 0.66% |
| WESTPAC WEALTH PARTNERS LLC3 Filed as: WESTPAC WEALTH PARTNERS, LLC | 5 CENTERPOINTE DR. SUITE 220 LAKE OSWEGO, OR 97035 | GUARDIAN LIFE INSURANCE COMPANY | $26 | — | $26 | 0.05% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 66 | $299K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 142 | $50K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 66 | $299K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 142 | $50K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 142 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.