| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97204 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $53K | $53K | 5.62% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.68% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97204 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $5K | 6.55% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $640 | $384 | $1K | 1.23% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11225 E 6TH STREET SUITE 110 BELLEVUE, WA 98004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 11.56% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.44% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11225 E 6TH STREET SUITE 110 BELLEVUE, WA 98004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $464 | $4K | 13.04% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.47% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | -$232 | -$232 | -0.76% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97204 | WILLAMETTE DENTAL INSURANCE, INC. | $947 | — | $947 | 3.51% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | WILLAMETTE DENTAL INSURANCE, INC. | $499 | — | $499 | 1.85% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11225 E 6TH STREET SUITE 110 BELLEVUE, WA 98004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.56% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $911 | — | $911 | 3.44% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $122 | — | $122 | 0.90% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11225 E 6TH STREET SUITE 110 BELLEVUE, WA 98004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $864 | $114 | $978 | 13.07% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $258 | — | $258 | 3.45% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | -$57 | -$57 | -0.76% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 270 | $940K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $110K |
| Vision | VISION SERVICE PLAN | 87 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $26K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.