Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HealthPPO | HealthPPO | |
Broker: William Douglas Lacour HealthHMO | HealthHMO | |
Vision | Vision | |
Broker: William Lacour Other | Other | |
Stop-loss | Stop-loss |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 5 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,721 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 516 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,237 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PROVIDENCE HEALTH PLAN | 1,272 | $12.8M |
| Vision | VSP | 2,233 | $173K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 0 | $0 |
| Other | RELIANCE STANDARD INSURANCE COMPANY | 1,489 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,233 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Kaiser Foundation Health Plan of the Northwest | |
Carrier: Reliance Standard Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWEST ADMINISTRATORS, INC. EIN 91-0680697 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $597K |
| CIGNA EIN 93-6021772 NONE | Other services; Named fiduciary; Contract Administrator; Participant communication; Float revenue; Direct payment from the plan; Non-monetary compensation; Claims processing Service code 12 | — | $473K |
| MILLER NASH GRAHAM & DUNN LLP EIN 93-0410518 NONE | Legal; Direct payment from the plan Service code 29 | — | $446K |
| MODA HEALTH EIN 93-0438772 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $141K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Consulting (general); Actuarial Service code 11 | — | $112K |
| KROGER PRESCRIPTION PLAN EIN 20-5927634 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $98K |
| US BANK EIN 93-0571729 NONE | Custodial (securities); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 19 | 555 SW OAK ST PORTLAND, OR 97208 | $74K |
| WINTHUM SMITH + BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $41K |
| VERUS ADVISORY, INC. EIN 91-1320111 NONE | Investment advisory (plan); Direct payment from the plan; Consulting (pension) Service code 17 | — | $35K |
| MZQ CONSULTING, LLC EIN 38-4010278 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $31K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Direct payment from the plan; Custodial (other than securities); Investment management Service code 18 | — | $25K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| METRO PRESORT INC EIN 93-0799990 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Copying and duplicating Service code 15 | — | $16K |
| BARLOW & COUGHRAN, PS EIN 91-1008931 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| TURNER, STOEVE & GAGLIARDI, P.S. EIN 91-1282506 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $7K |
| CAPITOL CITY PRESS, INC EIN 91-1068832 NONE | Other services; Copying and duplicating; Direct payment from the plan Service code 36 | — | $7K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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10 filings · 2016 to 2025