| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING, LLC | 7632 SW DURHAM RD STE 115 TIGARD, OR 97035 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $80 | $80 | 0.01% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY & GRAHAM, INC. | 412 JEFFERSON PKWY 100 LAKE OSWEGO, OR 97035 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $4K | — | $4K | 3.55% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING | JOHN DAVIDSON 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $2K | — | $2K | 1.86% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING, LLC | STE 115 7632 SW DURHAM RD TIGARD, OR 97224 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 30.99% |
| YOURPEOPLE, INC.3 | STE 401 NORTH TOWER 303 2ND ST SAN FRANCISCO, CA 94107 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $405 | — | $405 | 3.32% |
| AXA ASSISTANCE, USA3 | 122 S MICHIGAN AVE STE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $85 | $85 | 0.70% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING, LLC | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | VISION SERVICE PLAN | $140 | — | $140 | 9.97% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 255 | $1.1M |
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 171 | $106K |
| Vision | VISION SERVICE PLAN | 0 | $1K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 277 | $53K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 64 | $12K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 277 | $40K |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 277 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.