| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMEDY INSURANCE SERVICES3 | 315 MONTGOMERY STREET,SUITE 900 SAN FRANCISCO, CA 94104 | SYMETRA LIFE INSURANCE COMPANY | $14K | — | $14K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Copying and duplicating; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 12 | — | $818K |
| MULTIPLAN SERVICES CORP EIN 06-1533300 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $264K |
| INNOVATIVE CARE MANAGEMENT, INC. EIN 93-1087669 NONE | Other services; Direct payment from the plan; Insurance services Service code 23 | — | $176K |
| PSG CONSULTING, LLC EIN 27-2345574 NONE | Consulting fees Service code 70 | — | $78K |
| PROVIDENCE PLAN PARTNERS EIN 91-1861964 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $78K |
| US BANK, N.A. EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities); Soft dollars commissions; Float revenue; Other services Service code 19 | — | $71K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Consulting (general); Direct payment from the plan; Insurance agents and brokers Service code 16 | — | $53K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $46K |
| LINDQUIST LLP EIN 52-2385296 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $36K |
| TORI GETER NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1425 NW GARFIELD AVENUE CORVALLIS, OR 97330 | $28K |
| MCKENZIE ROTHWELL BARLOW & COUGHRAN EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $26K |
| VERUS ADVISORY, INC. EIN 91-1320111 NONE | Direct payment from the plan; Consulting (pension); Investment advisory (plan) Service code 17 | — | $18K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $16K |
| BROWNSTEIN RASK, LLP EIN 93-0589000 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| BARNEY & BARNEY INSURANCE SERVICES EIN 36-1436000 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $5K |
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 | 2,529 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 929 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 4,325 | $21.6M |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 4,325 | $21.9M |
| Vision | VISION SERVICE PLAN | 3,415 | $315K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,419 | $810K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,484 | $276K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,419 | $810K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,419 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.