| 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 | — | $13K | $13K | 1.00% |
| WOODRUFF-SAWYER & CO3 | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| WOODRUFF-SAWYER & CO3 | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & CO OREGON | 1050 SW 6TH AVE STE 1000 PORTLAND, OR 97204 | WILLAMETTE DENTAL INSURANCE, INC. | $1K | $4K | $5K | 17.00% |
| WOODRUFF-SAWYER & CO3 | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 14.78% |
| WOODRUFF-SAWYER & CO3 | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.99% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.3M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $40K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $26K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.