| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 412 JEFFERSON PARKWAY SUITE #203 LAKE OSWEGO, OR 97035 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $28K | — | $28K | 3.72% |
| CAPITAL FINANCIAL PLC3 Filed as: CAPITAL FINANCIAL, PLC | 14614 NORTH KIERLAND BOULEVARD SUITE N230 SCOTTSDALE, AZ 85254 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $10K | $10 | $10K | 1.30% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM INC | 412 JEFFERSON PARKWAY # 100 LAKE OSWEGO, OR 97035 | STANDARD INSURANCE COMPANY | $996 | — | $996 | 2.11% |
| CAPITAL FINANCIAL PLC3 | 14614 NORTH KIERLAND BOULEVARD SUITE N230 SCOTTSDALE, AZ 85254 | STANDARD INSURANCE COMPANY | $604 | — | $604 | 1.28% |
| PCF INSURANCE SERVICES OF THE WEST3 | 412 JEFFERSON PARKWAY SUITE 203 LAKE OSWEGO, OR 97301 | STANDARD INSURANCE COMPANY | $584 | — | $584 | 1.24% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM INC | 412 JEFFERSON PARKWAY # 100 LAKE OSWEGO, OR 97035 | STANDARD INSURANCE COMPANY | $414 | — | $414 | 2.25% |
| CAPITAL FINANCIAL PLC3 | 14614 NORTH KIERLAND BOULEVARD SUITE N230 SCOTTSDALE, AZ 85254 | STANDARD INSURANCE COMPANY | $333 | — | $333 | 1.81% |
| PCF INSURANCE SERVICES OF THE WEST3 | 412 JEFFERSON PARKWAY SUITE 203 LAKE OSWEGO, OR 97301 | STANDARD INSURANCE COMPANY | $250 | — | $250 | 1.36% |
| CAPITAL FINANCIAL PLC3 | 14614 NORTH KIERLAND BOULEVARD SUITE N230 SCOTTSDALE, AZ 85254 | STANDARD INSURANCE COMPANY | $303 | — | $303 | 2.07% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM INC | 412 JEFFERSON PARKWAY # 100 LAKE OSWEGO, OR 97035 | STANDARD INSURANCE COMPANY | $301 | — | $301 | 2.05% |
| PCF INSURANCE SERVICES OF THE WEST3 | 412 JEFFERSON PARKWAY SUITE 203 LAKE OSWEGO, OR 97301 | STANDARD INSURANCE COMPANY | $187 | — | $187 | 1.28% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM INC | 412 JEFFERSON PARKWAY # 100 LAKE OSWEGO, OR 97035 | STANDARD INSURANCE COMPANY | $142 | — | $142 | 2.08% |
| CAPITAL FINANCIAL PLC3 | 14614 NORTH KIERLAND BOULEVARD SUITE N230 SCOTTSDALE, AZ 85254 | STANDARD INSURANCE COMPANY | $90 | — | $90 | 1.32% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF THE WEST LLC | 412 JEFFERSON PARKWAY SUITE 203 LAKE OSWEGO, OR 97301 | STANDARD INSURANCE COMPANY | $78 | — | $78 | 1.14% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM INC | 412 JEFFERSON PARKWAY # 100 LAKE OSWEGO, OR 97035 | STANDARD INSURANCE COMPANY | $359 | — | $359 | 9.20% |
| PCF INSURANCE SERVICES OF THE WEST3 | 412 JEFFERSON PARKWAY SUITE 203 LAKE OSWEGO, OR 97301 | STANDARD INSURANCE COMPANY | $278 | — | $278 | 7.13% |
| CAPITAL FINANCIAL PLC3 | 14614 NORTH KIERLAND BOULEVARD SUITE N230 SCOTTSDALE, AZ 85254 | STANDARD INSURANCE COMPANY | $6 | — | $6 | 0.15% |
| MONTGOMERY & GRAHAM INC3 Filed as: MONTGOMERY AND GRAHAM INC | 412 JEFFERSON PARKWAY # 100 LAKE OSWEGO, OR 97035 | STANDARD INSURANCE COMPANY | $28 | — | $28 | 2.10% |
| CAPITAL FINANCIAL PLC3 | 14614 NORTH KIERLAND BOULEVARD SUITE N230 SCOTTSDALE, AZ 85254 | STANDARD INSURANCE COMPANY | $28 | — | $28 | 2.10% |
| PCF INSURANCE SERVICES OF THE WEST3 | 412 JEFFERSON PARKWAY SUITE 203 LAKE OSWEGO, OR 97301 | STANDARD INSURANCE COMPANY | $16 | — | $16 | 1.20% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 134 | $740K |
| Dental | STANDARD INSURANCE COMPANY | 82 | $47K |
| Vision | STANDARD INSURANCE COMPANY | 53 | $7K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 126 | $22K |
| Short-term disability | STANDARD INSURANCE COMPANY | 32 | $1K |
| Long-term disability | STANDARD INSURANCE COMPANY | 28 | $15K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 126 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.