| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OR LLC | PO BOX 743061 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $10K | $3K | $13K | 3.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | 601 SW 2ND AVENUE STE 1200 PORTLAND, OR 97204 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | $5K | $14K | 6.95% |
| BENEFITS PLUS INS SOL LLC3 Filed as: BENEFITS PLUS INC SOL LLC | 1144 GATEWAY LOOP STE 240 SPRINGFIELD, OR 97477 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.61% |
| PROPEL INSURANCE AGENCY LLC3 | 1410 BLANDING STREET STE 100 COLUMBIA, SC 29201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $867 | — | $867 | 2.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN NW | PO BOX 29018 PORTLAND, OR 97296 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $177 | — | $177 | 0.44% |
| BENEFITS PLUS INS SOL LLC3 | 1144 GATEWAY LOOP STE 240 SPRINGFIELD, OR 97477 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 34.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OR LLC | PO BOX 29018 PORTLAND, OR 97296 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN NORTHWEST | PO BOX 29018 PORTLAND, OR 97296 | EYEMED VISION CARE | $4K | — | $4K | 12.74% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 Filed as: BRATRUD MIDDLETON INS DBA PROPEL | 1201 PACIFIC AVE SUITE 1000 TACOMA, WA 98402 | EYEMED VISION CARE | $3K | — | $3K | 9.17% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORP - EXCHANGE | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | EYEMED VISION CARE | $3K | — | $3K | 8.65% |
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 | 495 | 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) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 59 | $372K |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 495 | $573K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 287 | $401K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 495 | $201K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 495 | $201K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 59 | $372K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 495 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.