| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCS ADVISORS3 | 1418 NORTH RHODES STREET SUITE 121 ARLINGTON, VA 22209 | CONSOCIATE GROUP | $176K | — | $176K | 16.58% |
| CONSOCIATE GROUP5 | PO BOX 1068 DECATUR, IL 62525 | CONSOCIATE GROUP | — | $123K | $123K | 11.55% |
| OREGON DENTAL SERVICE5 | PO BOX 40384 PORTLAND, OR 97240 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | — | $41K | $41K | 7.55% |
| MATTHEW SCOTT BENJAMIN3 Filed as: MATTHEW S BENJAMIN | 465 COMMERICAL ST NE STE 100 SALEM, OR 97301 | NORTHWESTERN MUTUAL | $19K | $4K | $23K | 14.76% |
| CAM GROUP LLC3 | 200 SW MARKET STREET STE 1600 PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $3K | $371 | $3K | 2.24% |
| MATTHEW SCOTT BENJAMIN3 | 465 COMMERCIAL STREET NE SUITE 100 SALEM, OR 97301 | NORTHWESTERN MUTUAL | $11K | $5K | $16K | 14.25% |
| CAM GROUP LLC3 | 200 SW MARKET ST SUITE 1600 PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $2K | $270 | $3K | 2.24% |
| SCOTT L REED3 | 345 NW 28TH ST REDMOND, OR 977565518 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 8.56% |
| CONSOCIATE GROUP5 | PO BOX 1068 DECATUR, IL 62525 | CONSOCIATE GROUP | — | $10K | $10K | — |
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) | CONSOCIATE GROUP | 463 | $1.1M |
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 422 | $538K |
| Vision | CONSOCIATE GROUP | 463 | $0 |
| Life insurance | NORTHWESTERN MUTUAL | 528 | $113K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $105K |
| Long-term disability | NORTHWESTERN MUTUAL | 469 | $154K |
| Prescription drug | CONSOCIATE GROUP | 463 | $1.1M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.