| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHWEST BENEFIT STRATGIES LLC | 21370 SW LANGER FARMS PKWY STE 142 434 SHERWOOD, OR 97140 | PACIFIC SOURCE HEALTH PLANS | $10K | — | $10K | 1.54% |
| AKT BENEFIT ADVISORS LP | 680 HAWTHORNE AVE SE STE 140 SALEM, OR 97301 | PACIFIC SOURCE HEALTH PLANS | $2K | — | $2K | 0.31% |
| NORTHWEST BENEFIT STRATEGIES LLC | 21370 SW LANGER FARMS PKWY STE 142 434 SHERWOOD, OR 97140 | KAISER PERMANENTE | $8K | — | $8K | 1.32% |
| ALDRICH BENEFITS LP Filed as: ALDRICH BENEFITS LIMITED PARNERSHIP | PO BOX 4100 MS 25 PORTLAND, OR 97208 | KAISER PERMANENTE | $2K | $90 | $2K | 0.34% |
| BENEFITS CONSULTING NORWEST | PO BOX 188 WILLAMINA, OR 97396 | KAISER PERMANENTE | $2K | — | $2K | 0.31% |
| NORTHWEST BENEFIT STRATEGIES LLC | 21370 SW LANGER FARMS PKWY SHERWOOD, OR 97140 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.37% |
| ALDRICH BENEFITS LP | PO BOX 4100 PORTLAND, OR 97208 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $344 | — | $344 | 0.43% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PACIFIC SOURCE HEALTH PLANS | 110 | $1.2M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $80K |
| Vision(2 contracts, 2 carriers) | PACIFIC SOURCE HEALTH PLANS | 110 | $1.2M |
| Prescription drug(2 contracts, 2 carriers) | PACIFIC SOURCE HEALTH PLANS | 110 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.