| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 | 940 ADAMS STREET SUITE G BENICIA, CA 94510 | NATIONAL UNION FIRE INSURANCE CO. OF PA | $51K | — | $51K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LABOR FIRST, LLC EIN 06-1750191 | Direct payment from the plan; Consulting (general) Service code 16 | 3000 MIDLANTIC DRIVE STE 101 MOUNT LAUREL, NJ 08054 | $527K |
| MASONRY INDUSTRY TRUST ADMIN. EIN 93-1144705 | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Recordkeeping fees Service code 12 | — | $353K |
| UNITED CLAIM SOLUTIONS | Consulting fees; Direct payment from the plan; Consulting (general) Service code 16 | 23048 N 15TH AVENUE PHOENIX, AZ 85027 | $175K |
| BRADLEY L. MIDDLETON, PC EIN 93-1215960 | Legal; Direct payment from the plan Service code 29 | — | $145K |
| MIDDLETON & CO, CPA, PC EIN 93-0809066 | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $79K |
| INNOVATIVE CARE MANAGEMENT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | PO BOX 22386 PORTLAND, OR 97269 | $36K |
| MODA HEALTH PLAN, INC. EIN 93-0989307 | Claims processing; Direct payment from the plan Service code 12 | 601 SW SECOND AVENUE PORTLAND, OR 97204 | $23K |
| PROSERVE HEALTH INFORMATICS | Direct payment from the plan; Consulting (general) Service code 16 | PO BOX 968 CUYAHOGA FALLS, OH 44223 | $20K |
| MILLIMAN EIN 91-0675641 | Actuarial; Consulting fees; Direct payment from the plan Service code 11 | 111 SW FIFTH AVENUE STE 3700 PORTLAND, OR 972043654 | $13K |
| KEYCORP EIN 34-6542451 | Recordkeeping fees; Account maintenance fees; Direct payment from the plan; Custodial (other than securities); Contract Administrator; Custodial (securities); Shareholder servicing fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $8K |
| ECHO HEALTH, INC. | Consulting (general); Copying and duplicating; Direct payment from the plan Service code 16 | 868 CORPORATE WAY WESTLAKE, OH 44145 | $6K |
| KEYCORP 34-6542451 | Shareholder servicing fees; Custodial (securities); Contract Administrator; Custodial (other than securities); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan; Account maintenance fees; Recordkeeping fees Service code 13 | — | $197 |
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 | 604 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 163 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 111 | $474K |
| Dental(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 111 | $500K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 615 | $535K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 613 | $12K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 111 | $474K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE CO. OF PA | 563 | $509K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 613 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.