| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN INSURANCE BROKERS, INC. | 5100 SOUTH MACADAM AVENUE SUITE 440 PORTLAND, OR 97239 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $19K | $0 | $19K | 2.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $4K | $12 | $4K | 0.48% |
| HEFFERNAN INSURANCE BROKERS3 | 44 MONTGOMERY STREET, SUITE 1950 SAN FRANCISCO, CA 94104 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $7K | $17K | 14.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.78% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN INSURANCE BROKERS, INC. | 5100 SOUTH MACADAM AVENUE SUITE 440 PORTLAND, OR 97239 | WILLAMETTE DENTAL INSURANCE, INC. | $2K | $0 | $2K | 3.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 825 NE MULTNOMAH STREET, SUITE 1500 PORTLAND, OR 97232 | WILLAMETTE DENTAL INSURANCE, INC. | $736 | $0 | $736 | 1.20% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | HEALTHIESTYOU | $3K | $0 | $3K | 10.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | HEALTHIESTYOU | $2K | $0 | $2K | 8.15% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 154 | $765K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $175K |
| Vision | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 154 | $765K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $114K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $114K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $114K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 154 | $765K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.