| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RGA RESOURCES INC3 | PO BOX 1006 BEAVERTON, OR 97075 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $3K | $3K | 0.05% |
| RGA RESOURCES INC3 Filed as: RGA RESOURCES | 6516 135TH PLACE SW EDMONDS, WA 98026 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.79% |
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 | 3,990 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,014 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PROVIDENCE HEALTH PLAN | 5,276 | $24.1M |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 4,963 | $6.3M |
| Vision(4 contracts, 4 carriers) | PROVIDENCE HEALTH PLAN | 5,276 | $25.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,921 | $131K |
| Prescription drug(3 contracts, 3 carriers) | PROVIDENCE HEALTH PLAN | 5,276 | $24.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,921 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,276 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.