| 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 | $42K | — | $42K | 3.07% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC. | 1001 SW 5TH AVE, STE 1000 PORTLAND, OR 97204 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 3.65% |
| WOODRUFF-SAWYER & CO3 | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| WOODRUFF-SAWYER & CO3 | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| WOODRUFF-SAWYER & CO3 | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $718 | — | $718 | 18.20% |
| WOODRUFF-SAWYER & CO3 | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $208 | — | $208 | 15.03% |
| WOODRUFF-SAWYER & CO3 | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $141 | — | $141 | 18.36% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 224 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP | 253 | $81K |
| Vision(2 contracts, 2 carriers) | PROVIDENCE HEALTH PLAN | 253 | $1.4M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $26K |
| Prescription drug | PROVIDENCE HEALTH PLAN | 224 | $1.4M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.