| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLUMBIA BENEFIT SOLUTIONS INC Filed as: COLUMBIA BENEFIT SOLUTIONS | 16325 BOONES FERRY STE 204 LAKE OSWEGO, OR 97035 | PACIFICSOURCE HEALTH PLANS | — | — | $0 | 0.00% |
| ROBERT D. WATROS | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| ROBERT D. WATROS Filed as: ROBERT D WATROS | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| ROBERT D. WATROS | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CASCADE CENTERS, INC. EIN 93-0774210 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 7180 SW FIR LOOP PORTLAND, OR 97223 | $5K |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 392 | $2.4M |
| Dental | OREGON DENTAL SERVICE | 0 | $265K |
| Vision | PACIFICSOURCE HEALTH PLANS | 392 | $2.4M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $172K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $143K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.