| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY & GRAHAM, INC. | 7150 SW HAMPTON ST STE 140 PORTLAND, OR 97223 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 8.16% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2500 W EXECUTIVE PKWY STE 200 LEHI, UT 84043 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $1K | — | $1K | 1.77% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY & GRAHAM, INC. | 412 JEFFERSON PKWY STE 100 LAKE OSWEGO, OR 97035 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $872 | — | $872 | 1.23% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY & GRAHAM INC. | 412 JEFFERSON PKWY STE 100 LAKE OSWEGO, OR 97035 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.83% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 86 | $318K |
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 47 | $71K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 86 | $318K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $41K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.