| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OUTSOURCING SERVICES, INC.3 | 5 CENTERPOINTE DRIVE, SUITE 300 PORTLAND, OR 97035 | KAISER PERMANENTE | $23K | $600 | $23K | 2.80% |
| CLIENT FIRST LLC3 Filed as: CLIENT FIRST GROUP | 5331 SW MACADAM, SUITE 260 PORTLAND, OR 97223 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 7.57% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PARKWAY, SUITE 200 PORTLAND, OR 97223 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 5.08% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PARKWAY, SUITE 200 PORTLAND, OR 97223 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.49% |
| CLIENT FIRST LLC3 Filed as: CLIENT FIRST GROUP | 5331 SW MACADAM, SUITE 260 PORTLAND, OR 97239 | STANDARD INSURANCE COMPANY | $553 | — | $553 | 2.01% |
| CLIENT FIRST LLC3 Filed as: CLIENT FIRST GROUP | 5 CENTERPOINTE DRIVE, SUITE 300 PORTLAND, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PARKWAY, SUITE 200 PORTLAND, OR 97223 | STANDARD INSURANCE COMPANY | $910 | — | $910 | — |
| CLIENT FIRST LLC3 Filed as: CLIENT FIRST GROUP | 5331 SW MACADAM, SUITE 260 PORTLAND, OR 97239 | STANDARD INSURANCE COMPANY | -$7K | — | -$7K | — |
| OUTSOURCING SERVICES, INC.3 | 5 CENTERPOINTE DRIVE, SUITE 300 LAKE OSWEGO, OR 97035 | KAISER PERMANENTE | $21K | — | $21K | — |
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 | 604 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER PERMANENTE | 326 | $836K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 604 | $298K |
| Short-term disability | STANDARD INSURANCE COMPANY | 446 | $0 |
| Long-term disability | STANDARD INSURANCE COMPANY | 206 | $28K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.