| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY & GRAHAM, INC. | 625 HAWTHORNE AVE SE #100 SALEM, OR 97301 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $90K | $162 | $90K | 1.49% |
| CFP, INC.3 Filed as: CFP INCORPORATED | 625 HAWTHORNE AVE SE #100 SALEM, OR 97301 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $63K | $6K | $69K | 1.14% |
| CFP, INC.3 Filed as: CFP INC | PO BOX 12888 SALEM, OR 97309 | LIFEMAP ASSURANCE COMPANY | $18K | — | $18K | 4.06% |
| MONTGOMERY & GRAHAM INC3 | PO BOX 12888 SALEM, OR 97309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 5.00% |
| CFP, INC.3 | PO BOX 12888 SALEM, OR 97301 | ACE AMERICAN INSURANCE COMPANY | $310 | — | $310 | 14.98% |
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 | 649 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 1,002 | $6.0M |
| Dental | LIFEMAP ASSURANCE COMPANY | 380 | $432K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 579 | $341K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 579 | $341K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 775 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,002 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.