| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISKPOINT INSURANCE ADVISORS LLC3 | 5285 MEADOWS RD #242 LAKE OSWEGO, OR 97035 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | $22K | $91K | 29.85% |
| LINCOLN FINANCIAL GROUP3 Filed as: THE LINCOLN NATIONAL LIFE INSURANCE | 5285 MEADOWS RD #242 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.00% |
| RISKPOINT INSURANCE ADVISORS LLC3 | 5285 MEADOWS RD #242 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 17.75% |
| RISKPOINT INSURANCE ADVISORS LLC3 | 5285 MEADOWS RD #242 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.82% |
| RISKPOINT INSURANCE ADVISORS LLC3 | 5285 MEADOWS RD #242 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| RISKPOINT INSURANCE ADVISORS LLC3 | 5285 MEADOWS RD #242 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| RISKPOINT INSURANCE ADVISORS LLC3 | 5285 MEADOWS RD #242 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $823 | $0 | $823 | 12.70% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $306K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $174K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $15K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $85K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.