| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 203383 DALLAS, TX 75320 | STANDARD INSURANCE COMPANY | $188K | $0 | $188K | 4.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1300 SOUTH WEST FIFTH AVENUE, SUITE PORTLAND, OR 97201 | KAISER FOUNDATION HEALTH PLAN OF THE NW | $58K | $1 | $58K | 1.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 600 HIGHWAY 169 SOUTH, SUITE 12 SAINT LOUIS PARK, MN 554261205 | KAISER FOUNDATION HEALTH PLAN INC | $28K | $0 | $28K | 3.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 201572 DALLAS, TX 75320 | TUFTS HEALTH PLAN | $9K | $0 | $9K | 1.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1300 SW 5TH AVE SUITE 500 PORTLAND, OR 97201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $5K | $43K | 10.11% |
| BENEFITSTORE INC3 | LOCKBOX NUMBER 893383 RICHARDSON, TX 75081 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $626 | $39K | 9.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | UNKNOWN GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 222 SOUTH WEST COLUMBIA STREET SUITE 1250 PORTLAND, OR 97201 | UNITED DENTAL CARE OF TEXAS INC. | $2K | $0 | $2K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 4,312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NW | 793 | $5.5M |
| Dental(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NW | 793 | $4.3M |
| Vision(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NW | 793 | $5.5M |
| Life insurance | STANDARD INSURANCE COMPANY | 4,312 | $4.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,312 | $4.4M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NW | 793 | $5.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,312 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,312 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.