| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | THE UNION LABOR LIFE INSURANCE COMPANY | $71K | — | $71K | 10.00% |
| INTERREMEDY INSURANCE SERVICES3 Filed as: INTERREMEDY INSURANCE SERVICES, LLC | 315 MONTGOMERY STREET, SUITE 900 SAN FRANCISCO, CA 94104 | THE UNION LABOR LIFE INSURANCE COMPANY | $35K | — | $35K | 5.00% |
| PROPEL INSURANCE AGENCY LLC3 | P.O. BOX 2940 TACOMA, WA 98401 | LIFEMAP ASSURANCE COMPANY | $3K | — | $3K | 5.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590156 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Plan Administrator; Claims processing Service code 10 | — | $239K |
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $232K |
| 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 | — | $71K |
| INNOVATIVE CARE MANAGEMENT INC. EIN 93-1087669 NONE | Insurance services; Other services; Direct payment from the plan Service code 23 | — | $35K |
| H.G. GUS SAND & ASSOCIATES EIN 81-0350794 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $34K |
| TURNER, STOEVE & GAGLIARDI, P.S. EIN 91-1282506 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Consulting (general) Service code 16 | — | $31K |
| EXPRESS SCRIPTS, INC. EIN 41-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $30K |
| LAWTON PRINTING SERVICES NONE | Other services; Direct payment from the plan Service code 49 | 4111 E MISSION AVE SPOKANE, WA 99202 | $9K |
| MILLIMAN, INC EIN 91-0675641 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $6K |
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 | 733 | 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) | 767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFEMAP ASSURANCE COMPANY | 666 | $46K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 773 | $707K |
| Other | LIFEMAP ASSURANCE COMPANY | 666 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 773 | — |
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.