| 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 | $938K | $30K | $968K | 21.50% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | PO BOX 6824 GRAND RAPIDS, MI 49516 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.06% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.00% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $245K | $31K | $276K | 6.74% |
| PACIFIC ADVISORS OF OREGON LLC3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.08% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | PO BOX 6824 GRAND RAPIDS, MI 49516 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.07% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | $0 | $17 | 0.00% |
| WEALTH STRATEGIES NORTHWEST3 | 5100 SW MACADAM STE 180 PORTLAND, OR 97239 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.00% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $15K | $34K | 7.18% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | PO BOX 6824 GRAND RAPIDS, MI 49516 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $481 | $0 | $481 | 0.10% |
| LARRY P HILDEBRANDT3 Filed as: LARRY HILDEBRANDT | 3140 JUANIPERO WAY, STE 101 MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $3K | $738 | $4K | 1.15% |
| BEN J KALINA3 Filed as: BEN KALINA | 3140 JUANIPERO WAY, STE 101 MEDFORD, OR 97504 | NORTHWESTERN MUTUAL | $3K | $738 | $4K | 1.15% |
| CAM GROUP LLC3 | 200 SW MARKET ST, STE 1600 PORTLAND, OR 97201 | NORTHWESTERN MUTUAL | $1K | $125 | $2K | 0.45% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.97% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | PO BOX 6824 GRAND RAPIDS, MI 49516 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33 | $0 | $33 | 0.07% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 13.94% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.50% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | PO BOX 6824 GRAND RAPIDS, MI 49516 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16 | $0 | $16 | 0.04% |
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 | 12,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 433 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,994 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 701 | $5.2M |
| Dental(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 6,260 | $4.4M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 6,260 | $4.1M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 11,466 | $4.5M |
| Short-term disability(4 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 35,599 | $5.1M |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 11,466 | $4.8M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 11,466 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35,599 | — |
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.