| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | GREAT MIDWEST INSURANCE COMPANY | $67K | — | $67K | 8.50% |
| INTERREMEDY INSURANCE SERVICES3 Filed as: INTERREMEDY INSURANCE SERVICES, LLC | 315 MONTGOMERY STREET, SUITE 900 SAN FRANCISCO, CA 94104 | GREAT MIDWEST INSURANCE COMPANY | $39K | — | $39K | 5.00% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS BROKERS INC. | P.O. BOX 2940 TACOMA, WA 98401 | LIFEMAP ASSURANCE COMPANY | $3K | $0 | $3K | 5.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590156 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Plan Administrator; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $312K |
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $280K |
| FIRST INTERSTATE WEALTH MANAGEMENT EIN 81-6023169 NONE | Custodial (securities); Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan Service code 19 | — | $56K |
| H.G. GUS SAND & ASSOCIATES EIN 81-0350794 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $41K |
| INNOVATIVE CARE MANAGEMENT INC. EIN 93-1087669 NONE | Direct payment from the plan; Other services; Insurance services Service code 23 | — | $40K |
| TURNER, STOEVE & GAGLIARDI, P.S. EIN 91-1282506 NONE | Legal; Direct payment from the plan Service code 29 | — | $38K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Consulting (general) Service code 16 | — | $37K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| MILLIMAN, INC EIN 91-0675641 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $8K |
| LAWTON PRINTING SERVICES NONE | Direct payment from the plan; Other services Service code 49 | 4111 E MISSION AVE SPOKANE, WA 99202 | $7K |
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 | 841 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFEMAP ASSURANCE COMPANY | 779 | $60K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 875 | $784K |
| Other | LIFEMAP ASSURANCE COMPANY | 779 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 875 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.