| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $5K | $5K | 0.09% |
| TIMMCO INSURANCE INC3 Filed as: TIMMCO INS INC | 1615 NE BROADWAY PORTLAND, OR 97232 | SYMETRA LIFE INSURANCE COMPANY | $17K | — | $17K | 9.25% |
| TIMMCO INSURANCE INC3 | 1615 NE BROADWAY PORTLAND, OR 97232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $743 | — | $743 | 6.69% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD. STE 115 TIGARD, OR 97224 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 1.55% |
| TIMMCO INSURANCE INC3 | 1615 NE BROADWAY PORTLAND, OR 97232 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 1.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CASCADE CENTERS INC EIN 93-0774210 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $46K |
| BENEFIT HELP SOLUTIONS EIN 93-1135521 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $8K |
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 | 1,299 | 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) | 1,299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 1,299 | $6.0M |
| Dental | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 1,299 | $6.0M |
| Vision | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 1,299 | $6.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $58K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 497 | $183K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 497 | $183K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 1,299 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,299 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.