| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NORTHEAST SUITE 200 BELLEVUE, WA 98004 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | $0 | $39K | 2.73% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING, LLC | 7632 SW DURHAM ROAD SUITE 115 TIGARD, OR 97224 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 1.34% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM ROAD SUITE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $415 | $3K | 4.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVE NORTHEAST SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $383 | $383 | 0.63% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM ROAD SUITE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $213 | $16 | $229 | 0.38% |
| JOHN DAVIDSON3 | 7632 SW DURHAM ROAD SUITE 115 TIGARD, OR 97224 | METROPOLITAN LIFE INSURANCE COMPANY | $908 | $0 | $908 | 3.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NORTHEAST SUITE 200 BELLEVUE, WA 98004 | METROPOLITAN LIFE INSURANCE COMPANY | $513 | $64 | $577 | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $156 | $156 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 999 3RD AVENUE SUITE 4100 SEATTLE, WA 98104 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $57 | $57 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NORTHEAST SUITE 200 BELLEVUE, WA 98004 | UNITED CONCORDIA DENTAL PLANS, INC. | $121 | $0 | $121 | 5.87% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING | UNKNOWN TIGARD, OR 97223 | UNITED CONCORDIA DENTAL PLANS, INC. | $85 | $0 | $85 | 4.12% |
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 | 97 | 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) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $30K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $60K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $60K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $60K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $1.4M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.