The pot definitely has drainage holes, and upon closer inspection I don't think that white/brown spot is bugs. If it is overwatering, how often should I be watering it? I usually use a soil moisture meter but I still end up watering it every-other-day.
Do Plumerias always go dormant? Where I live it rarely gets below 45 F during the winter (40 at the lowest at night), and its usually in the 60s during the day?