| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 | 1201 PACIFIC AVE., #1000 TACOMA, WA 98402 | GREAT MIDWEST INSURANCE COMPANY | $32K | — | $32K | 5.00% |
| INTERREMEDY INSURANCE SERVICES3 Filed as: INTERREMEDY INSURANCE SERVICES LLC | 315 MONTGOMERY STREET, SUITE 900 SAN FRANCISCO, CA 94104 | GREAT MIDWEST INSURANCE COMPANY | $32K | — | $32K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590156 NONE | Plan Administrator; Accounting (including auditing); Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 10 | — | $313K |
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $286K |
| FIRST INTERSTATE BANK NONE | Custodial (securities); Direct payment from the plan Service code 19 | 401 NORTH 31ST STREET BILLINGS, MT 59101 | $41K |
| INNOVATIVE CARE MANAGEMENT INC EIN 93-1087669 NONE | Insurance services; Direct payment from the plan; Other services Service code 23 | — | $37K |
| H.G. GUS SAND & ASSOCIATES EIN 81-0350794 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $36K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Consulting (general); Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 16 | — | $31K |
| TURNER, STOEVE & GAGLIARDI, P.S. EIN 91-1282506 NONE | Legal; Direct payment from the plan Service code 29 | — | $19K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
| PAPERMILL PRINTING NONE | Other services; Direct payment from the plan Service code 49 | 14 W INDIANA AVE SPOKANE, WA 99205 | $6K |
| AON CONSULTING EIN 22-2232264 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $0 |
| INTERREMEDY EIN 46-3517722 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $0 |
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 | 945 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,058 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFEMAP ASSURANCE COMPANY | 865 | $53K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 1,055 | $641K |
| Other | LIFEMAP ASSURANCE COMPANY | 865 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,055 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.