| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BTG AND ASSOCIATES LLC3 Filed as: BTG BENEFITS, LLC | 345 118TH AVENUE SE, SUITE 210 BELLEVUE, WA 98005 | PREMERA | $55K | $0 | $55K | 5.00% |
| ROSENBAUM FINANCIAL, INC.3 | 150 SW HARRISON STREET, SUITE 300 PORTLAND, OR 97201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 7.53% |
| BTG AND ASSOCIATES LLC3 Filed as: BTG BENEFITS, LLC | 345 118TH AVENUE SE, SUITE 210 BELLEVUE, WA 98005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.90% |
| BLACKBIRD BENEFITS COLLECTIVE, LLC3 Filed as: BLACKBIRD BENEFITS COLLECTIVE | 3725 NE 143RD AVENUE PORTLAND, OR 97230 | UNUM INSURANCE COMPANY | $362 | $0 | $362 | 3.52% |
| BTG AND ASSOCIATES LLC3 Filed as: BTG BENEFITS, LLC | 345 118TH AVENUE SE, SUITE 210 BELLEVUE, WA 98005 | UNUM INSURANCE COMPANY | $93 | $0 | $93 | 0.90% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA | 226 | $1.1M |
| Dental | PREMERA | 226 | $1.1M |
| Vision | PREMERA | 226 | $1.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $88K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $88K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $88K |
| Prescription drug | PREMERA | 226 | $1.1M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.