| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMEDY INSURANCE SERVICES3 | 315 MONTGOMERY ST STE 900 SAN FRANCISCO, CA 94104 | RELIASTAR LIFE INSURANCE COMPANY | $99K | $0 | $99K | 6.59% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE STE 100 TACOMA, WA 98402 | RELIASTAR LIFE INSURANCE COMPANY | $88K | $0 | $88K | 5.88% |
| PROPEL INSURANCE AGENCY LLC Filed as: PROPEL INSURANCE AGENCY | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | KAISER FOUNDATION HEALTH PLAN OF NW | $0 | $1K | $1K | 0.10% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | $10K | $15K | 14.21% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $6K | $6K | 5.76% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | $504 | $2K | 13.55% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $863 | $863 | 6.07% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | $267 | $1K | 18.37% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $457 | $457 | 5.76% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE CO | $161 | $38 | $199 | 18.55% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $65 | $65 | 6.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWEST ADMINISTRATORS INC EIN 91-0680697 NONE | Contract Administrator; Direct payment from the plan; Investment management Service code 13 | — | $307K |
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $195K |
| INNOVATIVE CARE MANAGEMENT EIN 93-1087669 NONE | Other services; Insurance services; Direct payment from the plan Service code 23 | — | $55K |
| BARLOW COUGHRAN MORALES & JOSEPHSON EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $26K |
| AON CONSULTING | Consulting (general) Service code 16 | — | $23K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers; Insurance services; Consulting (general) Service code 16 | — | $22K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Other services; Direct payment from the plan Service code 49 | — | $14K |
| SUBURBAN PRESS NONE | Direct payment from the plan; Other services Service code 49 | 22426 THUNDERBIRD PL HAYWARD, CA 94545 | $13K |
| SERVICE PRINTING CO NONE | Other services; Direct payment from the plan Service code 49 | 3837 13TH AVE W SEATTLE, WA 98119 | $6K |
| HEALTHCARE ACTUARIES EIN 20-5718833 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $6K |
| AON CONSULTING, INC. EIN 22-2232264 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $0 |
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 | 785 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF NW | 223 | $1.7M |
| Life insurance(3 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 653 | $122K |
| Other(5 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 672 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.