| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $40K | $40K | 1.25% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE SUITE 800 ATLANTA, GA 30305 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $36K | — | $36K | 6.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62819 VIRGINA BEACH, VA 23466 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $7K | — | $7K | 1.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $6K | $6K | 1.17% |
| AON CONSULTING INC3 | 39350 TREASURY CENTER CHICAGO, IL 606949300 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $53 | $53 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | 601 UNION ST #1000 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $26 | $26 | 0.02% |
| BRADLEY FETROW3 | 5 CENTERPOINTE DRIVE SUITE 550 LAKE OSWEGO, OR 97035 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $852 | $3 | $855 | 4.46% |
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 | 9,319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,242 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 13,129 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,515 | $600K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,278 | $3.2M |
| Prescription drug(9 contracts, 5 carriers) | QUARTZ HEALTH PLANS INSURANCE CORPORATION | 3,376 | $46.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | 1,987 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,129 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.