| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MILLIMAN AGENCY INC3 Filed as: MILLIMAN AGENCY INC | 650 CALIFORNIA ST FL 17 SAN FRANCISCO, CA 94108 | KAISER FOUNDATION HEATLTH PLAN INC | — | $33 | $33 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Contract Administrator; Direct payment from the plan; Recordkeeping fees; Other fees; Claims processing; Copying and duplicating; Participant communication; Account maintenance fees; Other services Service code 12 | 5331 SW MACADAM AVE #220 PORTLAND, OR 97239 | $701K |
| PREMERA BLUECROSS EIN 91-0499247 NONE | Claims processing; Direct payment from the plan; Float revenue Service code 12 | — | $378K |
| FERGUSON WELLMAN CAPITAL MANAGEMENT EIN 93-0064698 NONE | Direct payment from the plan; Investment management fees paid directly by plan Service code 50 | — | $93K |
| MILLIMAN INC EIN 91-0675641 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $69K |
| INNOVATIVE CARE MANAGEMENT NONE | Consulting (general); Direct payment from the plan Service code 16 | 15 82ND DR #180 GLADSTONE, OR 97027 | $68K |
| MODA HEALTH PLAN INC. EIN 93-0989307 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $56K |
| US BANK N.A. EIN 31-0841368 PARTY-IN-INTEREST | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Custodial (securities); Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $41K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $27K |
| BROWNSTEIN RASK EIN 93-0589000 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| EDGEWATER SEATTLE NONE | Other services Service code 49 | 2411 ALASKAN WAY SEATTLE, WA 98121 | $6K |
| THE BENSON HOTEL NONE | Other services Service code 49 | 309 SW BROADWAY PORTLAND, OR 97205 | $6K |
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 | 1,501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 123 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 244 | $3.1M |
| Dental(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 244 | $3.1M |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 1,515 | $159K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,457 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,515 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.