| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT LYDA3 | 412 JEFFERSON PARKWAY SUITE 203 LAKE OSWEGO, OR 97035 | ALL SAVERS INSURANCE COMPANY | $31K | — | $31K | 11.04% |
| PCF INSURANCE SERVICES OF THE WEST3 | — | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $1K | — | $1K | 1.99% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM CONSULTING | — | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $734 | — | $734 | 1.01% |
| PCF INSURANCE SERVICES OF THE WEST3 | — | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $288 | — | $288 | 2.00% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM CONSULTING | — | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $145 | — | $145 | 1.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 412 JEFFERSON PARKWAY SUITE 203 LAKE OSWEGO, OR 97035 | UNITEDHEALTHCARE INSURANCE COMPANY | $502 | — | $502 | 6.66% |
| MONTGOMERY & GRAHAM INC3 | 412 JEFFERSON PARKWAY SUITE 100 LAKE OSWEGO, OR 97035 | UNITEDHEALTHCARE INSURANCE COMPANY | $252 | — | $252 | 3.34% |
| ANDREW N LUCCOCK3 | 23984 SOUTHWEST SHADY GROVE DRIVE SHERWOOD, OR 97140 | AFLAC | $604 | $15 | $619 | 12.79% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM INC | 412 JEFFERSON PARKWAY SUITE 203 LAKE OSWEGO, OR 97035 | AFLAC | $264 | — | $264 | 5.45% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF THE WEST LLC | 412 JEFFERSON PARKWAY SUITE 203 LAKE OSWEGO, OR 97035 | AFLAC | $178 | — | $178 | 3.68% |
| BRYAN G CORBIN LLC3 | 6950 SOUTHWEST HAMPTON STREET SUITE 260 TIGARD, OR 97223 | AFLAC | $103 | $4 | $107 | 2.21% |
| TERRY ANN PARKER3 | 3019 SUNSET POINTE CIRCLE CAPE CORAL, FL 33914 | AFLAC | $16 | — | $16 | 0.33% |
| G SCOTT COOKE3 Filed as: SCOTT E NIELSEN | 718B WEST FOURTH PLAIN BOULEVARD VANCOUVER, WA 98660 | AFLAC | $10 | — | $10 | 0.21% |
| BRIDGET RENEA TOWNSEND3 | 28317 SOUTHWEST PARIS AVENUE WILSONVILLE, OR 97070 | AFLAC | $2 | — | $2 | 0.04% |
| BRIAN L HUGGER3 | 10117 SOUTHEAST SUNNYSIDE ROAD SUITE F52 CLACKAMAS, OR 97015 | AFLAC | $1 | — | $1 | 0.02% |
| ERIC DANIEL WEILAND3 | 14511 SOUTHWEST CORNERSTONE LANE SHERWOOD, OR 97140 | AFLAC | $1 | — | $1 | 0.02% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 89 | $92K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 102 | $8K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $23K |
| Stop-loss / reinsurancereinsurance | ALL SAVERS INSURANCE COMPANY | 108 | $282K |
| Other | AFLAC | 5 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.