| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN REDMOND, OR 97756 | TELADOC HEALTH, INC. | $2K | $0 | $2K | 6.25% |
| JD FULWILER AND COMPANY3 | 5727 SOUTH MACADAM AVENUE PORTLAND, OR 97239 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 20.58% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP, LLC | 1111 LAKE WASHINGTON BOULEVARD NORTH, SUITE 400 RENTON, WA 98056 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 16.17% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP, LLC | 11850 SW 67TH AVENUE, SUITE 100 PORTLAND, OR 97223 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 15.61% |
| JD FULWILER AND COMPANY3 | 5727 SOUTH MACADAM AVENUE PORTLAND, OR 97239 | AMERITAS LIFE INSURANCE CORP. | $673 | $0 | $673 | 2.97% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11850 SW 67TH AVENUE, SUITE 100 PORTLAND, OR 97223 | AMERITAS LIFE INSURANCE CORP. | $460 | $0 | $460 | 2.03% |
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 | 631 | 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) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 88 | $23K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 88 | $23K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 129 | $35K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 129 | $35K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 129 | $35K |
| Other(3 contracts, 3 carriers) | TELADOC HEALTH, INC. | 631 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 631 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.