| 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 | — | $54K | $54K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Copying and duplicating; Direct payment from the plan; Participant communication; Contract Administrator; Claims processing Service code 12 | — | $1.3M |
| INNOVATIVE CARE MANAGEMENT, INC. EIN 93-1087669 NONE | Other services; Insurance services; Direct payment from the plan Service code 23 | — | $222K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Other services; Custodial (securities) Service code 19 | — | $72K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $70K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Insurance brokerage commissions and fees; Consulting (general); Insurance agents and brokers Service code 16 | — | $65K |
| PSG CONSULTING, LLC EIN 27-2345574 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $48K |
| TORI A GETER NONE | Direct payment from the plan; Other services Service code 49 | 1425 NW GARFIELD AVE CORVALLIS, OR 97330 | $36K |
| NUWEST INSURANCE SERVICES EIN 36-1436000 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $33K |
| BARLOW COUGHRAN MORALES & JOSEPHSON EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| VERUS ADVISORY, INC. EIN 91-1320111 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $20K |
| LIFE LINE SCREENING NONE | Direct payment from the plan; Other services Service code 49 | 901 S MOPAC EXPRESSWAY STE 2 AUSTIN, TX 78746 | $12K |
| BROWNSTEIN RASK LLP EIN 93-0589000 NONE | Legal; Direct payment from the plan Service code 29 | — | $9K |
| J THAYER COMPANY EIN 93-1318092 NONE | Direct payment from the plan; Other services Service code 49 | — | $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 | 3,717 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 967 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 5,282 | $35.5M |
| Dental | WILLAMETTE DENTAL INSURANCE, INC. | 503 | $262K |
| Vision | VISION SERVICE PLAN | 4,687 | $755K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,662 | $870K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,234 | $770K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 4,662 | $870K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,282 | — |
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.