| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUCORDIA INSURANCE SERVICES LLC3 Filed as: TRUCORDIA INSURANCE SERVICES, LLC | 2745 W 600 N STE 400 LINDON, UT 84042 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 8.87% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY & GRAHAM, INC | 412 JEFFERSON PKWY STE 100 LAKE OSWEGO, OR 97035 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.49% |
| ANDREW N LUCCOCK3 | 22680 SW JAQUITH RD NEWBERG, OR 97132 | AFLAC | $9K | — | $9K | 29.93% |
| TRUCORDIA INSURANCE SERVICES LLC3 | 520 HAMMILL LN STE 203 LAKE OSWEGO, OR 96225 | AFLAC | $4K | — | $4K | 14.11% |
| TJ INSURANCE LLC3 | 3101 PERIWINKLE ST FOREST GROVE, OR 97116 | AFLAC | $906 | — | $906 | 3.01% |
| PCF INSURANCE SERVICES OF THE WEST3 | 7150 SW HAMPTON ST, SUITE 140 PORTLAND, OR 97223 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.12% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: NATIONAL PCF BONUS ONLY | 2500 W EXECUTIVE PKWY STE 200 LEHI, UT 84043 | PRINCIPAL LIFE INSURANCE COMPANY | — | $277 | $277 | 1.96% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $622K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $622K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $30K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 66 | $14K |
| Other(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $685K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.