| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM DOUGLAS LACOUR3 | 6146 CHURCHILL DOWNS DR WEST LINN, OR 97068 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $56K | $6K | $62K | 1.10% |
| WILLIAM D LACOUR3 | 3889 N SIDNEY ST BUCKEYE, AZ 85396 | RELIANCE STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| WILLIAM D LACOUR3 Filed as: WILLIAM LACOUR | 3889 N SIDNEY ST BUCKEYE, AZ 85396 | RELIANCE STANDARD INSURANCE COMPANY | $634 | — | $634 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWEST ADMINISTRATORS, INC. EIN 91-0680697 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $584K |
| CIGNA EIN 93-6021772 NONE | Participant communication; Other services; Contract Administrator; Non-monetary compensation; Named fiduciary; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $520K |
| MILLER NASH GRAHAM & DUNN LLP EIN 93-0410518 NONE | Legal; Direct payment from the plan Service code 29 | — | $188K |
| MODA HEALTH EIN 93-0438772 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $163K |
| KROGER PRESCRIPTION PLAN EIN 20-5927634 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $129K |
| VERUS ADVISORY, INC. EIN 91-1320111 NONE | Consulting (pension); Investment advisory (plan); Direct payment from the plan Service code 17 | — | $33K |
| WINTHUM SMITH + BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| TRUCKER HUSS, APC EIN 94-3216063 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $27K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $26K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Direct payment from the plan; Custodial (other than securities); Investment management Service code 18 | — | $20K |
| US BANK EIN 93-0571729 NONE | Custodial (securities); Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 19 | 555 SW OAK ST PORTLAND, OR 97208 | $18K |
| PLATFORM CPAS, LLP EIN 88-4342576 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $18K |
| METRO PRESORT INC EIN 93-0799990 NONE | Other services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating Service code 15 | — | $12K |
| WILLIAM LACOUR LLC EIN 43-3675103 NONE | Consulting (general); Insurance brokerage commissions and fees Service code 16 | — | $7K |
| ERIC B. LINDAUER PC EIN 93-0767885 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 | 1,754 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 542 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PROVIDENCE HEALTH PLAN | 1,297 | $13.4M |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 1,619 | $10K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 0 | $0 |
| Other | RELIANCE STANDARD INSURANCE COMPANY | 1,489 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,619 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.