Form 5500 · Employee benefit plan · LAKE OSWEGO, OR
NORTHWEST FIREFIGHTERS RELIEF ASSOCIATION
The filing calls this plan NORTHWEST FIREFIGHTERS RELIEF ASSOCIATION WELFARE BENEFIT PLAN.
NORTHWEST FIREFIGHTERS RELIEF ASSOCIATION of LAKE OSWEGO, OR insures health, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is BROWN & BROWN INSURANCE SERVICES IN. Coverage is written through KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST and 3 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 93-6227660 · plan 501 · plan year 2025, filed Apr 14, 2026
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81 other employer plans in Oregon have policy years ending in June. 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 plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
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
Also declared: other welfare.
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 4 insured contracts covering health, life, disability and stop-loss; the largest, with KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST, covers 578 people.
The filing declares health, life, disability, dental and vision. Dental and vision appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
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 $5,308,529, with $26,100 in disclosed broker commissions — about 0.5% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| USABLE LIFE | Life, Disability | 559 | Jul 1, 2025 | $368,312 | $26,100 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 578 | Jul 1, 2025 | $3,237,315 | $0 |
| COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | Health, Stop-loss | 2,205 | Jul 1, 2025 | $1,702,902 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Annuity / GIC | 434 | Jul 1, 2025 | $5,160,682 | $0 |
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. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
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