Form 5500 · Employee benefit plan · BOTHELL, WA
KEYWORDS US HOLDINGS INC.
The filing calls this plan KEYWORDS US HOLDINGS, INC. HEALTH AND WELFARE PLAN.
KEYWORDS US HOLDINGS INC. of BOTHELL, WA spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is HUB INTERNATIONAL MIDWEST LIMITED. Coverage is written through GRANULAR INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-1859078 · plan 501 · plan year 2025, filed Jul 28, 2026
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1,162 other employer plans in Washington have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: the largest of the 3 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 30 of 639 participants (4.7%) on Schedule A.
6 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 13 insured contracts covering health, vision, life, disability and stop-loss; the largest, with GRANULAR INSURANCE COMPANY, covers 458 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 6 contracts here that do not say what they cover.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $2,041,608, with $68,747 in disclosed broker commissions — about 3.4% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| GRANULAR INSURANCE COMPANY | Stop-loss | 458 | Jan 1, 2026 | $1,328,403 | $26,568 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 30 | Jan 1, 2026 | $199,088 | $9,794 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 624 | Jan 1, 2026 | $113,874 | $5,893 |
| VISION SERVICE PLAN | Health, Vision | 431 | Jan 1, 2026 | $69,941 | $5,515 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 19 | Jan 1, 2026 | $102,875 | $5,114 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 418 | Jan 1, 2026 | $63,188 | $4,638 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 141 | Jan 1, 2026 | $44,104 | $3,263 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 624 | Jan 1, 2026 | $26,524 | $2,798 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 136 | Jan 1, 2026 | $19,024 | $2,091 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 101 | Jan 1, 2026 | $15,367 | $1,762 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 117 | Jan 1, 2026 | $20,038 | $1,093 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | 7 | Jan 1, 2026 | $2,071 | $218 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 30 | Jan 1, 2026 | $37,111 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30107475. For the contract year on this filing, the carrier reported $69,941 in premium earned and $51,391 in claims incurred. Dividing one by the other gives 73%.
- VISION SERVICE PLAN, contract 30107475 reported $18,550 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
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