| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIFFANY L. KRAKE3 Filed as: TIFFANY L KRAKE | 10211 SW BARBUR BLVD STE 202A PORTLAND, OR 97219 | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | $42K | — | $42K | 5.19% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | $14K | — | $14K | 1.74% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $4K | $24K | 24.00% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 19.29% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | UNUM LIFE INSURANCE COMPANY | $9K | $2K | $11K | 24.00% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVENUE STE 100 PORTLAND, OR 97223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 59.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ODS DBA DELTA DENTAL EIN 93-0438772 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $588K |
| REGENCE BLUECROSS BLUESHIELD OREGON EIN 93-0238155 CLAIMS PROCESSING | Float revenue; Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $551K |
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 | 904 | 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) | 904 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 1,516 | $809K |
| Vision | VISION SERVICE PLAN | 738 | $82K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 478 | $100K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $68K |
| Stop-loss / reinsurancereinsurance | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 1,516 | $809K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 331 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,516 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.