| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $86K | $86K | 1.99% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | DBA INSURANCE POINT AGENCY LLC 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $78K | $158K | $236K | 15.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $17K | $17K | 1.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | DBA INSURANCE POINT AGENCY LLC 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $51K | $67K | $118K | 11.67% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN PROPERTY & CASUALTY INSURANCE COMPANY | $14K | — | $14K | 9.91% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | D/B/A WATSON WYATT WORLDWIDE, INC. LOCKBOX #741909, P.O. BOX 741909 ATLANTA, GA 303741909 | METROPOLITAN PROPERTY & CASUALTY INSURANCE COMPANY | — | $3K | $3K | 1.94% |
| PACIFIC BENEFIT CONSULTANTS3 Filed as: PACIFIC BENEFIT CONSULTANTS INC | 450 COUNTRY CLUB RD EUGENE, OR 974016078 | METROPOLITAN PROPERTY & CASUALTY INSURANCE COMPANY | — | $5 | $5 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | DBA INSURANCE POINT AGENCY LLC 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $631 | $351 | $982 | 14.00% |
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 | 4,317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 11 | $8K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 9,596 | $4.3M |
| Vision | VISION SERVICE PLAN | 4,155 | $589K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,483 | $1.6M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,853 | $1.2M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,554 | $1.0M |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 11 | $8K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,724 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,596 | — |
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.