| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY & GRAHAM, INC | 412 JEFFERSON PARKWAY SUITE #203 LAKE OSWEGO, OR 97035 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $35K | $448 | $36K | 4.94% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM INC | 412 JEFFERSON PARKWAY # 100 LAKE OSWEGO, OR 97035 | STANDARD INSURANCE COMPANY | $2K | $400 | $3K | 5.42% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM INC | 412 JEFFERSON PARKWAY # 100 LAKE OSWEGO, OR 97035 | STANDARD INSURANCE COMPANY | $1K | $439 | $1K | 6.64% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM INC | 412 JEFFERSON PARKWAY # 100 LAKE OSWEGO, OR 97035 | STANDARD INSURANCE COMPANY | $744 | $304 | $1K | 6.53% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM INC | 412 JEFFERSON PARKWAY # 100 LAKE OSWEGO, OR 97035 | STANDARD INSURANCE COMPANY | $344 | $110 | $454 | 6.60% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM INC | 412 JEFFERSON PARKWAY # 100 LAKE OSWEGO, OR 97035 | STANDARD INSURANCE COMPANY | $850 | $125 | $975 | 16.13% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM INC | 412 JEFFERSON PARKWAY # 100 LAKE OSWEGO, OR 97035 | STANDARD INSURANCE COMPANY | $75 | $31 | $106 | 6.56% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 148 | $727K |
| Dental | STANDARD INSURANCE COMPANY | 78 | $49K |
| Vision | STANDARD INSURANCE COMPANY | 47 | $7K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 142 | $28K |
| Short-term disability | STANDARD INSURANCE COMPANY | 38 | $2K |
| Long-term disability | STANDARD INSURANCE COMPANY | 34 | $16K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 142 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.