| 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 | $3K | — | $3K | 2.59% |
| PCF INSURANCE SERVICES OF THE WEST3 | 412 JEFFERSON PARKWAY STE 203 LAKE OSWEGO, OR 97035 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 18.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | PO BOX 29018 PORTLAND, OR 97296 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | PO BOX 29018 PORTLAND, OR 97296 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | PO BOX 29018 PORTLAND, OR 97296 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $749 | — | $749 | 15.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | PO BOX 29018 PORTLAND, OR 97296 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $242 | — | $242 | 14.98% |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 352 | $129K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 352 | $33K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 352 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $11K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 356 | $5K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $10K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
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.