| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIENT FIRST LLC3 Filed as: CLIENT FIRST GROUP INC | 5 CENTERPOINTE DR, STE 300 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.68% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.92% |
| CLIENT FIRST LLC3 Filed as: CLIENT FIRST GROUP INC | 5 CENTERPOINTE DR, STE 300 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.46% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $901 | $0 | $901 | 5.48% |
| CLIENT FIRST LLC3 Filed as: CLIENT FIRST GROUP INC | 5 CENTERPOINTE DR, STE 300 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $890 | $0 | $890 | 5.42% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY, STE 200 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $169 | $0 | $169 | 5.49% |
| CLIENT FIRST LLC3 Filed as: CLIENT FIRST GROUP INC | 5 CENTERPOINTE DR, STE 300 LAKE OSWEGO, OR 97035 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $167 | $0 | $167 | 5.42% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $22K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.