| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 1050 SW 6TH AVE STE 1000 PORTLAND, OR 97204 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 4.14% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11740 SW 68TH PKWY STE 200 PORTLAND, OR 97223 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $27K | $27K | 2.71% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 1005 SW 6TH AVE STE 1000 PORTLAND, OR 97204 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $21K | $21K | 2.06% |
| WOODRUFF-SAWYER & CO3 | 1001 SW 5TH AVENUE STE 1000 PORTLAND, OR 97204 | AMERITAS LIFE INSURANCE CORP | $3K | $838 | $4K | 6.26% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $368 | $5K | 16.21% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & CO OREGON | 1050 SW 6TH AVE STE 1000 PORTLAND, OR 97204 | WILLAMETTE DENTAL INSURANCE, INC. | $1K | — | $1K | 4.98% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $325 | $4K | 16.24% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $291 | $4K | 16.24% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $821 | — | $821 | 6.82% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $83 | $1K | 16.22% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 231 | $997K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 176 | $94K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 176 | $78K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $31K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $23K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 231 | $997K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.