| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $34K | $7K | $40K | 1.99% |
| PROPEL INSURANCE3 | 805 SW BROADWAY, SUITE 2300 PORTLAND, OR 97205 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $17K | $0 | $17K | 0.82% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, IL 98402 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 7.48% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BOULEVARD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.13% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.32% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 337 | $2.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 260 | $199K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 260 | $199K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 260 | $199K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 260 | $199K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 337 | $2.0M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 260 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.