| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 1001 SW 5TH AVE STE 1000 PORTLAND, OR 97204 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $8K | $6K | $15K | 0.26% |
| WOODRUFF-SAWYER & CO3 | 1001 SW 5TH AVE STE 1000 PORTLAND, OR 97204 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $72K | — | $72K | 1.50% |
| CAMPBELL GALT AND NEWLANDS, INC.3 Filed as: CAMPBELL GALT NEWLANDS INC | 700 NE MULTNOMAH STE 1300 PORTLAND, OR 97232 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $8K | — | $8K | 0.17% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | 601 UNION ST, STE 1000 SEATTLE, WA 98101 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $8K | — | $8K | 0.17% |
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 | 594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 1,080 | $10.4M |
| Dental | REGENCE BLUECROSS BLUESHIELD OF OREGON | 1,080 | $5.6M |
| Vision(2 contracts) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 1,080 | $10.4M |
| Prescription drug(2 contracts) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 1,080 | $10.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,080 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.