| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BP&A, LLC4 Filed as: BP&A LLC | PO BOX 12469 PORTLAND, OR 97212 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 1220 SW MORRISON, STE 300 PORTLAND, OR 972052222 | $157K |
| BP&A, LLC EIN 22-6548472 PLAN CONSULTANT | Consulting (general) Service code 16 | PO BOX 12469 PORTLAND, OR 97212 | $73K |
| UNION BANK NA BANKING | Other services Service code 49 | 350 CALIFORNIA ST SAN FRANCISCO, CA 94104 | $35K |
| LINDQUIST LLP EIN 52-2385296 PAYROLL AUDITOR | Accounting (including auditing) Service code 10 | 9955 SE WSHNGTON, STE 201 PORTLAND, OR 97216 | $25K |
| MONDRESS MONACO PARR LOCKWOOD EIN 91-1917286 LEGAL COUNSEL | Legal Service code 29 | 2101 FOURTH AVE, 2170 SEATTLE, WA 98121 | $20K |
| BJORKLUND & MONTPLAISIR EIN 93-1015766 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 10300 SW GREENBURD RD PORTLAND, OR 97223 | $15K |
| VERUS ADVISORY, INC. EIN 91-1320111 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | PO BOX 303 TUALATIN, OR 97062 | $11K |
| MILLIMAN USA EIN 91-0675641 PLAN ACTUARY | Actuarial Service code 11 | 111 SW 5TH AVE. PORTLAND, OR 97201 | $0 |
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 | 934 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 1,645 | $18.1M |
| Dental(3 contracts, 3 carriers) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 1,645 | $18.4M |
| Vision(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 1,645 | $11.7M |
| Life insurance | STANDARD INSURANCE COMPANY | 913 | $50K |
| Short-term disability | STANDARD INSURANCE COMPANY | 105 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,645 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.