| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 5005 MEADOWS ROAD, SUITE 415 LAKE OSWEGO, OR 97035 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $1K | $1K | 0.07% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, MN 94111 | KAISER FOUNDATION HEALTH PLAN, INC. | $0 | $155 | $155 | 0.01% |
| CARRIE RAY3 | 15883 SW TUSCANY STREET TIGARD, OR 97223 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $148K | $0 | $148K | 33.51% |
| ASSUREDPARTNERS3 Filed as: QUEST BENFITS NORTHWEST | 12300 SE MALLARD WAY, SUITE 285 MILWAUKIE, OR 97222 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $136K | $0 | $136K | 30.66% |
| MJ INSURANCE3 Filed as: HEIDI MOREL AND VARIOUS AGENTS | 7203 S INDIAN RIVER DRIVE FORT PIERCE, FL 34982 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $27K | $0 | $27K | 6.05% |
| JEFFREY CARL DOLLARHIDE3 Filed as: JEFFREY DOLLARHIDE | 6263 NORTH SCOTTSDALE ROAD SUITE 140 SCOTTSDALE, AZ 85250 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 5.58% |
| BRANDY JACKSON3 | 342 JUNCO LANE WOODLAND, WA 98674 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 3.76% |
| BRITTANY ALLEY | 2189 SE 12TH AVENUE CANBY, OR 97013 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.34% |
| CORINA VAQUERA3 | 13347 W OCUPADO DRIVE PEORIA, AZ 85383 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.22% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 2.67% |
| ADVANCED BENEFITS3 Filed as: ADVANCED LLC | 2448 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | RELIASTAR LIFE INSURANCE COMPANY | $957 | — | $957 | 0.93% |
| WEX HEALTH, INC.3 | 82 HOPMEADOW STREET, SUITE 220 WEATOGUE, CT 06089 | RELIASTAR LIFE INSURANCE COMPANY | — | $865 | $865 | 0.84% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY | $316 | — | $316 | 0.31% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | USABLE LIFE | $496 | $250 | $746 | 18.11% |
| ALLIANT INSURANCE SERVICES, INC.3 | 450 COUNTRY CLUB ROAD, SUITE 340 EUGENE, CA 97401 | USABLE LIFE | $81 | — | $81 | 1.97% |
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 | 938 | 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) | 938 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 210 | $3.3M |
| Dental | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 202 | $1.4M |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 210 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 962 | $546K |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 962 | $107K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 210 | $3.3M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,500 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,500 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.