| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OR OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | PACIFICSOURCE HEALTH PLANS | $53K | — | $53K | 2.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN NORTHWEST INSURANCE | 2701 NW VAUGHN ST., SUITE 340 PORTLAND, OR 97210 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $4K | — | $4K | 2.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 972960018 | WILLAMETTE DENTAL GROUP | $3K | — | $3K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 972960018 | LIFE INSURANCE COMPNAY OF NORTH AMERICA | $3K | $714 | $4K | 12.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 1185 PORTLAND, OR 972960018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $545 | $3K | 10.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN NORTHWEST | PO BOX 29018 PORTLAND, OR 972969018 | VISION SERVICE PLAN | $961 | — | $961 | 6.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 972960018 | LIFE INSURANCE COMPANY OF AMERICA | $2K | $252 | $2K | 17.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 972960018 | LIFE INSURANCE COMPNAY OF NORTH AMERICA | $1K | $160 | $1K | 17.03% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 227 | $2.1M |
| Dental(2 contracts, 2 carriers) | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 206 | $180K |
| Vision | VISION SERVICE PLAN | 228 | $16K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPNAY OF NORTH AMERICA | 227 | $43K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 206 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 206 | $13K |
| Prescription drug | PACIFICSOURCE HEALTH PLANS | 227 | $2.1M |
| Other(2 contracts) | LIFE INSURANCE COMPNAY OF NORTH AMERICA | 227 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.