| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $38K | — | $38K | 2.32% |
| ALLIANT INSURANCE SERVICES, INC.3 | 680 HAWTHORNE AVE SE SUITE 140 SALEM, OR 97301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 9.04% |
| NATIONAL BENEFIT CENTER3 | 3659 GREEN ROAD SUITE 322-8 BEACHWOOD, OH 44122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 0.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | 680 HAWTHORNE AVE SE SUITE 140 SALEM, OR 97301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.42% |
| NATIONAL BENEFIT CENTER3 | 3659 GREEN ROAD SUITE 322-8 BEACHWOOD, OH 44122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $645 | — | $645 | 1.11% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 670 HAWTHORNE AVE SE, STE 130 SALEM, OR 97301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $222 | — | $222 | 1.50% |
| PACIFIC ADVISORS OF OREGON LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.09% |
| PACIFIC ADVISORS LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 680 HAWTHORNE AVE SE STE 140 SALEM, OR 97301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $465 | — | $465 | 3.59% |
| NATIONAL BENEFIT CENTER3 | 3659 GREEN ROAD SUITE 322-8 BEACHWOOD, OH 44122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $116 | — | $116 | 0.90% |
| ALLIANT INSURANCE SERVICES, INC.3 | 680 HAWTHORNE AVE SE SUITE 140 SALEM, OR 97301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $71 | — | $71 | 4.33% |
| NATIONAL BENEFIT CENTER3 | 3659 GREEN ROAD SUITE 322-8 BEACHWOOD, OH 44122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18 | — | $18 | 1.10% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 190 | $1.6M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 268 | $58K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 35 | $13K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 283 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.