| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS A WOHLMAN INC. | 809 ALOHA ST EDMONDS, WA 98020 | THE UNION LABOR LIFE INSURANCE COMPANY | — | $7K | $7K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIAM C EARHART COMPANY EIN 93-0509592 NONE | Contract Administrator; Claims processing; Other fees; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.1M |
| CIGNA EIN 93-6021772 NONE | Consulting (general); Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $809K |
| EMPIRX HEALTH EIN 47-1226691 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $377K |
| PAYDHEALTH, LLC EIN 84-2853707 NONE | Other services; Direct payment from the plan Service code 49 | — | $270K |
| MODA HEALTH EIN 93-0438772 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $116K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $92K |
| BANK OF AMERICA EIN 94-1687665 NONE | Trustee (bank, trust company, or similar financial institution); Custodial (securities) Service code 19 | — | $80K |
| WITHUM SMITH & BROWN EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $53K |
| METRO PRESORT NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 3506 NW 35TH AVE PORTLAND, OR 97210 | $51K |
| LABORATORY CORPORATION OF AMERICA NONE | Other services; Direct payment from the plan Service code 49 | 531 S SPRING ST BURLINGTON, NC 27215 | $45K |
| CASCADE CENTER INC DBA CANOPY EIN 93-0774210 NONE | Direct payment from the plan; Other services Service code 49 | — | $38K |
| BUCK GLOBAL, LLC EIN 13-3954297 NONE | Direct payment from the plan; Consulting fees Service code 50 | — | $35K |
| BROWNSTEIN RASK, LLC EIN 93-0589000 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| TELADOC HEALTH EIN 04-3705970 NONE | Other services; Direct payment from the plan Service code 49 | — | $31K |
| BENNETT, HARTMAN, MORRIS & KAPLAN EIN 93-0633539 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| PLATFORM CPAS, LLP NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 6650 SW REDWOOD LN STE 210 PORTLAND, OR 97224 | $18K |
| NORTHWEST DRUG SAFE LLC EIN 83-2315905 NONE | Other services; Direct payment from the plan; Consulting (general) Service code 16 | — | $15K |
| AIRMEDCARE NETWORK EIN 20-1305023 NONE | Other services; Direct payment from the plan Service code 49 | — | $7K |
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 | 1,885 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 292 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 0 | $0 |
| Dental | WILLAMETTE DENTAL INSURANCE | 0 | $0 |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,625 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,625 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.