| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 1300 SW 5TH AVE STE 500 PORTLAND, OR 97201 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $37K | $41K | 2.44% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 1050 SW 6TH AVE STE 1000 PORTLAND, OR 97204 | UNITEDHEALTHCARE INSURANCE COMPANY | $868 | $26K | $26K | 1.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 1300 SW 5TH AVE., #500 PORTLAND, OR 97201 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | — | $1K | 2.61% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $270 | — | $270 | 0.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVS NATIONAL INC | 1300 SW 5TH AVE. STE 500 PORTLAND, OR 97201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.27% |
| WOODRUFF-SAWYER & CO3 | 1001 SW 5TH AVENUE STE 1000 PORTLAND, OR 97204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $690 | — | $690 | 2.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | 825 NE MULTNCMAH ST STE 1500 PORTLAND, OR 97232 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.51% |
| WOODRUFF-SAWYER & CO3 | 1001 SW 5TH AVENUE STE 1000 PORTLAND, OR 97204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $977 | — | $977 | 6.40% |
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 | 220 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 436 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 436 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 436 | $1.7M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 101 | $15K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 436 | $1.7M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.