| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRATRUD MIDDLETON INSURANCE BROKERS3 Filed as: BRATRUD MIDDLETON INS BROKERS INC | 1201 PACIFIC AVE, STE 1000 TACOMA, WA 984024321 | PRINCIPAL LIFE INSURANCE CO | $16K | — | $16K | 2.85% |
| PROPEL INSURANCE3 | 925 4TH AVE. STE 3200 SEATTLE, WA 98104 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 2.28% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 Filed as: BRATRUD MIDDLETON INS BROKERS INC | DBA PROPEL INS PO BOX 2940 TACOMA, WA 98401 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS OF IDAHO EIN 82-0344294 CLAIM PROCESSING PROVIDER | Claims processing Service code 12 | — | $2.4M |
| MAGELLAN EIN 52-2135463 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $183K |
| LAGRANDE PSYCHOLOGICAL SERVICES EIN 01-0726768 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $16K |
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 | 5,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | VISION SERVICE PLAN | 2,279 | $348K |
| Life insurance(3 contracts) | PRINCIPAL LIFE INSURANCE CO | 6,269 | $1.2M |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 3,024 | $2.5M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 914 | $352K |
| Other | HARTFORD LIFE AND ACCIDENT | 5,173 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,269 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.