| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LACOUR, WILLIAM DOUGLAS3 | 3889 N SIDNEY ST BUCKEYE, AZ 85396 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | $2K | $4K | 0.18% |
| GARRIGUES, BRADLEY JAMES3 | 36670 N 108TH PL SCOTTSDALE, AZ 85262 | RELIANCE STANDARD | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE WILLIAM C. EARHART CO., INC. EIN 93-0509592 NONE | Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $140K |
| BANK OF AMERICA EIN 94-1687665 NONE | Direct payment from the plan; Investment management Service code 28 | — | $43K |
| BRAD GARRIGUES NONE | Direct payment from the plan; Consulting (general) Service code 16 | 36670 N 108TH PL SCOTTSDALE, AZ 85262 | $40K |
| BROWNSTEIN RASK LLP EIN 93-0589000 NONE | Legal; Direct payment from the plan Service code 29 | — | $26K |
| WITHUM SMITH BROWN PC EIN 02-2202092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $21K |
| PLATFORM CPAS, LLP EIN 88-4342576 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $10K |
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 | 519 | 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) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 334 | $1.9M |
| Dental(2 contracts) | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 907 | $533K |
| Vision | VISION SERVICE PLAN | 528 | $51K |
| Long-term disability | RELIANCE STANDARD | 519 | $13K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 493 | $647K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.