| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MODA HEALTH5 Filed as: MODA INC. | PO BOX 40384 PORTLAND, OR 97240 | MODA, INC. | — | $341K | $341K | 5.96% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT SVCS AQU | 200 SW MARKET ST SUITE 1600 PORTLAND, OR 97201 | MODA, INC. | $30K | — | $30K | 0.52% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 SW MARKET ST SUITE 1600 PORTLAND, OR 97201 | MODA, INC. | $3K | — | $3K | 0.05% |
| OREGON DENTAL SERVICE5 | PO BOX 40384 PORTLAND, OR 97240 | MODA, INC. | $0 | $25K | $25K | 5.93% |
| MATTHEW SCOTT BENJAMIN3 | 465 COMMERCIAL STREET NE SUITE 100 SALEM, OR 97301 | NORTHWESTERN MUTUAL | $6K | $2K | $8K | 9.03% |
| CAM GROUP LLC3 | 200 SW MARKET ST SUITE 1600 PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $1K | $142 | $1K | 1.51% |
| MATTHEW SCOTT BENJAMIN3 Filed as: MATTHEW S BENJAMIN | 465 COMMERICAL ST NE STE 100 SALEM, OR 97301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 19.78% |
| JULIA A MCBURNEY3 | 777 COMMERICAL ST SE STE 20 SALEM, OR 97301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 11.60% |
| TREVOR WILKS3 Filed as: TREVOR M WILKS | 3295 TRIANGLE DR NE SALEM, OR 97302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.04% |
| JERALD SMITH3 | 7134 SE MAPLE LEAF ST PORTLAND, OR 97223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.95% |
| VINCENT BRIAN VOLLMAR3 Filed as: VINCENT B VOLLMAR | 3230 DOGWOOD DR SALEM, OR 97302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.42% |
| DESIREE M HENRICH3 | 4816 LIBERTY ROAD S, APT 26 SALEM, OR 97306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $835 | — | $835 | 0.99% |
| KAREN MCKAY3 Filed as: KAREN A MCKAY | PO BOX 786 NEWBERG, OR 97132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $434 | — | $434 | 0.51% |
| BRYAN G COBIN LLC3 | 8612 W MARY ANNE DR PEORIA, AZ 85385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $237 | — | $237 | 0.28% |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MODA, INC. | 347 | $5.7M |
| Dental | MODA, INC. | 347 | $417K |
| Life insurance(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 362 | $172K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 97 | $85K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 97 | $85K |
| Prescription drug | MODA, INC. | 347 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.