| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1.7M | $18K | $1.7M | 14.18% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $680K | $18K | $698K | 6.67% |
| PACIFIC ADVISORS OF OREGON LLC3 | 200 SW MARKET ST, SUITE 1850 PORTLAND, OR 97201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 0.16% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $6K | $17K | 2.02% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $382 | $3K | 1.38% |
| WEALTH STRATEGIES NORTHWEST3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | $0 | $12 | 0.01% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 11.31% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.69% |
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 | 20,994 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 419 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 21,413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 1,187 | $16.4M |
| Dental(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 13,126 | $11.0M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 13,126 | $10.5M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 20,994 | $12.0M |
| Short-term disability(3 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 20,994 | $13.1M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 20,994 | $12.0M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 23,240 | $12.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,240 | — |
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.