| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC. | 1001 SW 5TH AVE, STE 1000 PORTLAND, OR 97204 | PROVIDENCE HEALTH PLAN | $36K | — | $36K | 2.71% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC. | 1001 SW 5TH AVE, STE 1000 PORTLAND, OR 97204 | AMERITAS LIFE INSURANCE CORP | $2K | $405 | $3K | 3.83% |
| WOODRUFF-SAWYER & CO3 | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $370 | $2K | 11.81% |
| WOODRUFF-SAWYER & CO3 | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $276 | $10K | 59.49% |
| WOODRUFF-SAWYER & CO3 | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $475 | $54 | $529 | 16.71% |
| WOODRUFF-SAWYER & CO3 | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $194 | $19 | $213 | 16.45% |
| WOODRUFF-SAWYER & CO3 | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $104 | $14 | $118 | 17.03% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 214 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP | 213 | $70K |
| Vision(2 contracts, 2 carriers) | PROVIDENCE HEALTH PLAN | 214 | $1.4M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $21K |
| Prescription drug | PROVIDENCE HEALTH PLAN | 214 | $1.3M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.