| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1325 4TH AVENUE SUITE 2100 SEATTLE, WA 98101 | PREMERA BLUE CROSS | $63K | $6K | $69K | 4.41% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | 1201 PACIFIC AVENUE SUITE 1000 TACOMA, WA 98402 | PREMERA BLUE CROSS | $15K | $0 | $15K | 0.95% |
| ASSUREDPARTNERS3 | 1325 4TH AVENUE SUITE 2100 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $6K | $0 | $6K | 4.02% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | 1201 PACIFIC AVENUE SUITE 1000 TACOMA, WA 98402 | DELTA DENTAL OF WASHINGTON | $1K | $0 | $1K | 0.99% |
| ASSUREDPARTNERS3 | 1325 4TH AVENUE SUITE 2100 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 12.87% |
| ASSUREDPARTNERS | 1325 4TH AVENUE SUITE 2100 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 7.53% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 5.48% |
| ASSUREDPARTNERS3 | 1325 4TH AVENUE SUITE 2100 SEATTLE, WA 98101 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.73% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | 1201 PACIFIC AVENUE SUITE 1000 TACOMA, WA 98402 | VISION SERVICE PLAN | $131 | $0 | $131 | 0.60% |
| MCM NORTHWEST3 | UNKNOWN SEATTLE, WA 98108 | FIRST CHOICE | $494 | $0 | $494 | 9.61% |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 368 | $1.6M |
| Dental | DELTA DENTAL OF WASHINGTON | 301 | $141K |
| Vision | VISION SERVICE PLAN | 176 | $22K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 258 | $129K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 258 | $129K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 258 | $129K |
| Prescription drug | PREMERA BLUE CROSS | 368 | $1.6M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 258 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.