| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | DBA BROWN AND BROWN NW PO BOX 743061 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $2K | $2K | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | — | USABLE LIFE | $26K | — | $26K | 7.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | — | USABLE LIFE | — | $3K | $3K | 0.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OF OR EIN 93-0238155 NONE | Direct payment from the plan; Claims processing; Insurance brokerage commissions and fees; Float revenue; Other fees; Contract Administrator; Non-monetary compensation; Other services Service code 12 | — | $418K |
| JODI AMATO EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | PO BOX 2321 LAKE OSWEGO, OR 970350666 | $111K |
| JUEL TURNER EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | PO BOX 2321 LAKE OSWEGO, OR 970350666 | $70K |
| OREGON DENTAL SERVICE EIN 93-0438772 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $69K |
| BENEFIT PLAN ADMIN SERVICES INC. EIN 16-1503696 NONE | Participant communication; Investment management fees paid directly by plan; Direct payment from the plan; Claims processing; Investment management; Recordkeeping and information management (computing, tabulating, data processing, etc.); Trustee (directed) Service code 12 | — | $58K |
| MORGAN STANLEY NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 1585 BROADWAY AVENUE NEW YORK, NY 10036 | $49K |
| BROWN & BROWN INSURANCE SERVICES EIN 59-0691921 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $49K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $44K |
| BENEFITELECT, INC. EIN 88-2788696 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $35K |
| USABLE LIFE EIN 71-0505232 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $18K |
| IAFF LOCAL 1660 EIN 93-0593668 PLAN SPONSOR | Direct payment from the plan; Other services Service code 49 | — | $10K |
| ALLEGIANCE NONE | Direct payment from the plan; Claims processing Service code 12 | 2806 S. GARFIELD ST. P.O. BOX 2907 MISSOULA, MT 59806 | $8K |
| BARRAN LIEBMAN, LLP EIN 93-1251627 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
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 | 785 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 107 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 892 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 2,205 | $4.9M |
| Life insurance | USABLE LIFE | 559 | $368K |
| Long-term disability | USABLE LIFE | 559 | $368K |
| Stop-loss / reinsurancereinsurance | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 2,205 | $1.7M |
| Other | USABLE LIFE | 559 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,205 | — |
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.