| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $212K | $25K | $237K | 6.22% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 0.29% |
| WEALTH STRATEGIES NORTHWEST3 | 200 SW MARKET ST STE 1850 PORTLAND, OR 97201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 0.24% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $438K | $20K | $458K | 14.18% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 0.70% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 4.07% |
| LARRY P HILDEBRANDT3 Filed as: LARRY HILDEBRANDT | 3140 JUANIPERO WAY, STE 101 MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $3K | $627 | $3K | 1.51% |
| BEN J KALINA3 Filed as: BEN KALINA | 3140 JUANIPERO WAY, STE 101 MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $3K | $627 | $3K | 1.51% |
| CORY A MAHAFFEY3 Filed as: CORY MAHAFFEY | 200 SW MARKET ST PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $1K | $106 | $1K | 0.59% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $748 | $0 | $748 | 3.20% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 14.82% |
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 | 7,931 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 525 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 639 | $3.5M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,226 | $3.9M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,226 | $3.8M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 8,691 | $3.2M |
| Short-term disability(4 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 8,691 | $3.7M |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 8,691 | $3.5M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 8,691 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,691 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.