| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 23216 NE 126TH STREET REDMOND, WA 98053 | KAISER PERMANENTE | $84K | — | $84K | 0.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 23216 NE 126TH STREET REDMOND, WA 98053 | KAISER PERMANENTE | $72K | — | $72K | 0.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 1350 TREAT BLVD, SUITE 550 WALNUT CREEK, CA 94597 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY, A CIGNA COMPANY | $57K | — | $57K | 2.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 1350 TREAT BLVD, SUITE 550 WALNUT CREEK, CA 94597 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY, A CIGNA COMPANY | $55K | — | $55K | 2.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 1350 TREAT BLVD, SUITE 550 WALNUT CREEK, CA 94597 | WILLAMETTE DENTAL, INC. | $63K | — | $63K | 3.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 1350 TREAT BLVD, SUITE 550 WALNUT CREEK, CA 94597 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY, A CIGNA COMPANY | $37K | — | $37K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USIINSURANCE SERVICES NA | 1350 TREAT BLVD, SUITE 550 WALNUT CREEK, CA 94597 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY, A CIGNA COMPANY | $9K | — | $9K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 1350 TREAT BLVD, SUITE 550 WALNUT CREEK, CA 94597 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY, A CIGNA COMPANY | $163 | — | $163 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTH CARE INSURANCE CO. EIN 36-2739571 NONE | Claims processing; Other services Service code 12 | — | $984K |
| WASHINGTON DENTAL EIN 91-0621480 NONE | Claims processing Service code 12 | — | $259K |
| CONNECTICUT GENERAL LIFE INSURANCE EIN 06-0303370 NONE | Claims processing Service code 12 | — | $241K |
| DAVIS WRIGHT TREMAINE EIN 91-0839480 NONE | Legal Service code 29 | — | $98K |
| MERCER EIN 13-2834414 NONE | Actuarial Service code 11 | — | $35K |
| CONEXIS EIN 20-0198855 NONE | Claims processing Service code 12 | — | $24K |
| EXPRESS SCRIPTS, INC. EIN 41-1627938 NONE | Claims processing Service code 12 | — | $21K |
| MOSS ADAMS LLP EIN 91-0189318 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| PARKER SMITH & FEEK, INC. EIN 91-0660018 NONE | Consulting (general) Service code 16 | — | $15K |
| SPECTERA EIN 36-2739571 NONE | Claims processing Service code 12 | — | $8K |
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 | 5,401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 118 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER PERMANENTE | 5,763 | $79.6M |
| Dental | WILLAMETTE DENTAL, INC. | 1,566 | $2.1M |
| Vision(2 contracts) | KAISER PERMANENTE | 5,763 | $79.6M |
| Life insurance(4 contracts) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY, A CIGNA COMPANY | 7,808 | $2.7M |
| Short-term disability | CONNECTICUT GENERAL LIFE INSURANCE COMPANY, A CIGNA COMPANY | 4,928 | $2.8M |
| Prescription drug(2 contracts) | KAISER PERMANENTE | 5,763 | $79.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,808 | — |
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 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.