| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMEDY INSURANCE SERVICES3 | 315 MONTGOMERY ST STE 900 SAN FRANCISCO, CA 94104 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Participant communication; Claims processing; Copying and duplicating; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.0M |
| INNOVATIVE CARE MANAGEMENT, INC. EIN 93-1087669 NONE | Direct payment from the plan; Insurance services; Other services Service code 23 | — | $225K |
| US BANK EIN 31-0841368 NONE | Custodial (securities); Direct payment from the plan; Other services Service code 19 | — | $80K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Consulting (general); Insurance agents and brokers; Insurance brokerage commissions and fees Service code 16 | — | $63K |
| J THAYER COMPANY EIN 93-1318092 NONE | Other services; Direct payment from the plan Service code 49 | — | $52K |
| PSG CONSULTING, LLC EIN 27-2345574 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $48K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $38K |
| BARLOW COUGHRAN MORALES & JOSEPHSON EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $30K |
| VERUS ADVISORY, INC. EIN 91-1320111 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $20K |
| BROWNSTEIN RASK LLP EIN 93-0589000 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
| WITHUM SMITH + BROWN EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $9K |
| AMERICAN MEDICAL REVIEW EIN 47-5346396 NONE | Direct payment from the plan; Other services Service code 49 | — | $8K |
| MILLIMAN, INC EIN 91-0675641 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $7K |
| TORI A GETER NONE | Direct payment from the plan; Other services Service code 49 | 1425 NW GARFIELD AVE CORVALLIS, OR 97330 | $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 | 3,466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 972 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 5,216 | $29.6M |
| Dental | WILLAMETTE DENTAL INSURANCE, INC. | 559 | $270K |
| Vision | VISION SERVICE PLAN | 4,346 | $616K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 14,581 | $810K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,240 | $518K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 14,581 | $810K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,581 | — |
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.