| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS C. NEWTON3 | PO BOX 785 LAKE OSWEGO, OR 97034 | PACIFICSOURCE HEALTH PLANS | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JODY BROWN NONE | Contract Administrator Service code 13 | 7025 SE FURNBERG ST MILWAUKIE, OR 97222 | $64K |
| KKC SERVICES, INC. EIN 93-1280442 NONE | Consulting (general) Service code 16 | 6004 NE ALAMEDA ST PORTLAND, OR 97213 | $30K |
| SHANNON BETZ NONE | Accounting (including auditing) Service code 10 | 4562 SW 11TH STREET GRESHAM, OR 97080 | $14K |
| JOSEPH NEY CHAIRPERSON | Consulting (general) Service code 16 | 3357 NW CONRAD DR BEND, OR 97703 | $13K |
| LANE POWELL EIN 20-2071651 NONE | Legal Service code 29 | 601 SW SECOND AVENUE PORTLAND, OR 97204 | $13K |
| KERN & THOMPSON, LLC EIN 93-1157146 NONE | Accounting (including auditing) Service code 10 | 1800 SW FIRST AVENUE SUITE 410 PORTLAND, OR 97201 | $12K |
| COVENANT TECHNOLOGY SOLUTIONS, INC. EIN 32-0012256 NONE | Consulting (general) Service code 16 | 15 82ND DRIVE SUITE 140 GLADSTONE, OR 97027 | $7K |
| CYPRESS BENEFIT ADMINSTRATORS EIN 39-1997579 NONE | Claims processing; Plan Administrator Service code 12 | 5560 WEST GRANDE MARKET DR APPLETON, WI 54913 | $6K |
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 | 1,010 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 1,010 | $8.8M |
| Dental | PACIFICSOURCE HEALTH PLANS | 1,010 | $8.8M |
| Vision | PACIFICSOURCE HEALTH PLANS | 1,010 | $8.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,010 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.