| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 5005 MEADOWS RD STE 415 LAKE OSWEGO, OR 97035 | UNITEDHEALTHCARE INSURANCE COMPANY | $477 | $23K | $24K | 2.81% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | BENISTAR GROUP RETIREE HEALTH SOLUTIONS | $886 | — | $886 | 1.71% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 1001 SW 6TH AVE STE 1000 PORTLAND, OR 97204 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 12.70% |
| A.C. NEWMAN & CO. INSURANCE3 | 5200 N PALM AVE STE 107 FRESNO, CA 93704 | ZURICH AMERICAN INSURANCE COMPANY | $810 | — | $810 | 30.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 1001 SW 5TH AVENUE STE 1000 PORTLAND, OR 97204 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 14.91% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER AND CO | 1001 SW 5TH AVE STE 1000 PORTLAND, OR 97204 | PACIFICSOURCE HEALTH PLANS | $350 | — | $350 | — |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 145 | $899K |
| Dental | PACIFICSOURCE HEALTH PLANS | 130 | $0 |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 453 | $43K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 453 | $43K |
| Prescription drug | BENISTAR GROUP RETIREE HEALTH SOLUTIONS | 8 | $52K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 453 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.