| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | PROVIDENCE HEALTH PLAN | $69K | — | $69K | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | DELTA DENTAL OF OREGON | $5K | — | $5K | 3.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL | $11K | $1K | $12K | 16.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | — | LINCOLN NATIONAL | — | $686 | $686 | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL | $3K | $205 | $3K | 15.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | — | LINCOLN NATIONAL | — | $137 | $137 | 0.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL | $3K | $654 | $3K | 18.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | — | LINCOLN NATIONAL | — | $436 | $436 | 2.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INC | — | METLIFE | $1K | — | $1K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL | $1K | $95 | $1K | 16.33% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $64 | $64 | 0.90% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 223 | $2.3M |
| Dental | DELTA DENTAL OF OREGON | 265 | $140K |
| Vision | METLIFE | 260 | $12K |
| Life insurance(2 contracts) | LINCOLN NATIONAL | 270 | $29K |
| Short-term disability | LINCOLN NATIONAL | 226 | $18K |
| Long-term disability | LINCOLN NATIONAL | 226 | $76K |
| Other | LINCOLN NATIONAL | 270 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.