| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 5400 SW MEADOWS ROAD 240 LAKE OSWEGO, OR 97035 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $54K | — | $54K | 5.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFEMAP ASSURANCE COMPANY | $4K | — | $4K | 4.61% |
| GARY W. HARDING3 Filed as: GARY W HARDING | 2 CENTERPOINTE DRIVE SUITE 100 LAKE OSWEGO, OR 97035 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.48% |
| ANDREW T. USHER3 Filed as: ANDREW T USHER | 200 SW MARKET STREET SUITE 1600 PORTLAND, OR 97201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.48% |
| ANDREW T. USHER3 | 200 SW MARKET STREET SUITE 1600 PORTLAND, OR 97201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $957 | — | $957 | 5.00% |
| GARY W. HARDING3 | 2 CENTERPOINTE DRIVE SUITE 100 LAKE OSWEGO, OR 97035 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $957 | — | $957 | 5.00% |
| ANDREW T. USHER3 | 200 SW MARKET STREET SUITE 1600 PORTLAND, OR 97201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $858 | — | $858 | 5.00% |
| GARY W. HARDING3 | 2 CENTERPOINTE DRIVE SUITE 100 LAKE OSWEGO, OR 97035 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $858 | — | $858 | 5.00% |
| GARY W. HARDING3 | 2 CENTERPOINTE DRIVE SUITE 100 LAKE OSWEGO, OR 97035 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| ANDREW T. USHER3 | 200 SW MARKET STREET SUITE 1600 PORTLAND, OR 97201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
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 | 185 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 163 | $1.1M |
| Dental | LIFEMAP ASSURANCE COMPANY | 152 | $84K |
| Vision | LIFEMAP ASSURANCE COMPANY | 152 | $84K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $25K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.