| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MODA HEALTH5 Filed as: MODA INC. | PO BOX 40384 PORTLAND, OR 97240 | MODA, INC. | — | $510K | $510K | 7.81% |
| JEFFREY FALLICK3 | 200 SW MARKET ST SUITE 1600 PORTLAND, OR 97201 | MODA, INC. | $38K | — | $38K | 0.58% |
| PAUL SEEGERT3 | 200 SW MARKET ST SUITE 1600 PORTLAND, OR 97201 | MODA, INC. | $4K | — | $4K | 0.06% |
| OREGON DENTAL SERVICE5 | PO BOX 40384 PORTLAND, OR 97240 | MODA, INC. | $0 | $32K | $32K | 6.91% |
| MATTHEW SCOTT BENJAMIN3 Filed as: MATTHEW S BENJAMIN | 465 COMMERICAL ST NE STE 100 SALEM, OR 97301 | NORTHWESTERN MUTUAL | $10K | $2K | $12K | 9.03% |
| CAM GROUP LLC3 | 200 SW MARKET STREET STE 1600 PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $2K | $230 | $2K | 1.61% |
| MATTHEW SCOTT BENJAMIN3 Filed as: MATTHEW S BENJAMIN | 465 COMMERCIAL ST NE STE 100 SALEM, OR 97301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 14.02% |
| JULIA A MCBURNEY3 | 777 COMMERCIAL ST SE SUITE 20 SALEM, OR 97301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 8.37% |
| TREVOR WILKS3 Filed as: TREVOR M WILKS | 3295 TRIANGLE DR NE SALEM, OR 97302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.55% |
| SCOTT L REED3 | 2257 SW REINDEER AVE REDMOND, OR 97756 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.28% |
| VINCENT BRIAN VOLLMAR3 Filed as: VINCENT B VOLLMAR | 3230 DOGWOOD DR S SALEM, OR 97302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.03% |
| JERALD SMITH3 | 7134 SE MAPLE LEAF ST PORTLAND, OR 97223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $773 | — | $773 | 0.78% |
| DESIREE M HENRICH3 | 4816 LIBERTY ROAD SOUTH APT 26 SALEM, OR 97306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $635 | — | $635 | 0.64% |
| KAREN MCKAY3 Filed as: KAREN A MCKAY | PO BOX 786 NEWBERG, OR 97132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.21% |
| BRYAN G CORBIN LLC3 Filed as: BRYAN G CORBIN | 8612 W MARY ANN DR PEORIA, AZ 85382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | — | $120 | 0.12% |
| NATE JOHNSON3 | 11328 NE 51ST CIRCLE APT 65 VANCOUVER, WA 98682 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MATTHEW SCOTT BENJAMIN3 | 465 COMMERCIAL STREET NE SUITE 100 SALEM, OR 97301 | NORTHWESTERN MUTUAL | $9K | $4K | $12K | 12.40% |
| CAM GROUP LLC3 | 200 SW MARKET ST SUITE 1600 PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $2K | $208 | $2K | 1.95% |
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 | 422 | 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) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MODA, INC. | 426 | $6.5M |
| Dental | MODA, INC. | 426 | $467K |
| Life insurance | NORTHWESTERN MUTUAL | 471 | $99K |
| Short-term disability | NORTHWESTERN MUTUAL | 426 | $133K |
| Long-term disability | NORTHWESTERN MUTUAL | 426 | $133K |
| Prescription drug | MODA, INC. | 426 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.
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.