| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1300 SW 5TH AVENUE, SUITE 500 PORTLAND, OR 97201 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $59K | $8 | $59K | 1.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203383 DALLAS, TX 75320 | STANDARD INSURANCE COMPANY | $155K | $0 | $155K | 4.07% |
| USI INSURANCE SERVICES LLC3 | 600 HIGHWAY 169 SOUTH, 12TH FLOOR SAINT LOUIS PARK, MN 55426 | KAISER FOUNDATION HEALTH PLAN INC | $27K | $0 | $27K | 2.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 1300 SW 5TH AVENUE, SUITE 500 PORTLAND, OR 97201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $7K | $43K | 10.31% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | UNKNOWN RICHARDSON, TX 75081 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $368 | $16K | 3.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201572 DALLAS, TX 75320 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION | $6K | $0 | $6K | 1.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 825 NE MULTNOMAH STREET, SUITE 1500 PORTLAND, OR 97232 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.08% |
| USI INSURANCE SERVICES LLC3 | 222 SW COLUMBIA STREET, SUITE 1250 PORTLAND, OR 97201 | UNITED DENTAL CARE OF TEXAS INC. | $3K | $0 | $3K | 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 | 4,563 | 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) | 4,563 | 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 NORTHWEST | 721 | $5.8M |
| Dental(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 721 | $4.3M |
| Vision(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 721 | $5.8M |
| Life insurance | STANDARD INSURANCE COMPANY | 4,563 | $3.8M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,563 | $3.8M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 721 | $5.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,563 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,563 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.