| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 Filed as: PROPEL INSURANCE - MEDFORD | 805 SW BROADWAY, SUITE 2300 PORTLAND, OR 97205 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $27K | — | $27K | 3.11% |
| PROPEL INSURANCE3 Filed as: PROPEL INSURANCE - TACOMA | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $11K | — | $11K | 1.32% |
| PCF INSURANCE SERVICES OF THE WEST3 | 7150 SW HAMPTON ST. SUITE 140 TIGARD, OR 97223 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $5K | $18 | $5K | 0.54% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1201 PACIFIC AVE STE 100 TACOMA, WA 98402 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 10.82% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SERVICES | 2200 RIMLAND DR STE 305 BELLINGHAM, WA 98226 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.47% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | — | $832 | $832 | 1.74% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 115 | $858K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 104 | $48K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 104 | $48K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 104 | $48K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 104 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.