Colliers International USA, LLC

• This employer files 2 health plans for this group; we judged them together.

1. Colliers International USA, LLC Health and Welfare Benefits Plan · 3,296 people · Both kinds

   • The filing says benefits are paid from the employer's general assets.
   • Medical insurance bought from Kaiser Permanente is on file, covering about 300 people.
   • Medical insurance is on file, but the plan also pays benefits from the employer's own money, so some options are likely self-funded.
   • The insured options cover only about 9% of the 3,296 participants, so most people in this plan are in the self-funded part.

2. Colliers International USA, LLC Health and Welfare Benefits Plan · 3,114 people · Insured · state rules

   • Medical insurance bought from UnitedHealthcare is on file, covering about 402 people.
   • The filing says all benefits are paid through insurance contracts.

Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.