| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | PREMERA BLUE CROSS | $44K | — | $44K | 2.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 743061 LOS ANGELES, CA 90074 | PREMERA BLUE CROSS | $30K | — | $30K | 1.50% |
| BENEFITS PLUS INS SOL LLC3 | 1144 GATEWAY LOOP SUITE 240 SPRINGFIELD, OR 97477 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 17.52% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1410 BLANDING STREET SUITE 100 COLUMBIA, SC 29201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 11.01% |
| BRYAN BULLOCK3 | 1144 GATEWAY LOOP SUITE 240 SPRINGFIELD, OR 97477 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 5.91% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 508 SW BROADWAY STE 2300 PORTLAND, OR 97205 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OR LLC | PO BOX 29018 PORTLAND, OR 97296 | SYMETRA LIFE INSURANCE COMPANY | $753 | — | $753 | 1.63% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1202 PACIFIC AVE TACOMA, WA 98402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $218 | $3K | 7.29% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST STE 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN NORTHWEST | PO BOX 29018 PORTLAND, OR 97296 | EYEMED VISION CARE | $433 | — | $433 | 1.49% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORP - EXCHANGE | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | EYEMED VISION CARE | $217 | — | $217 | 0.75% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 Filed as: BRATRUD MIDDLETON INS DBA PROPEL | 1201 PACIFIC AVE SUITE 1000 TACOMA, WA 98402 | EYEMED VISION CARE | -$30 | — | -$30 | -0.10% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1202 PACIFIC AVE TACOMA, WA 98402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $99 | $1K | 6.84% |
| PROPEL INSURANCE AGENCY LLC3 | 508 SW BROADWAY STE 2300 PORTLAND, OR 97205 | SYMETRA LIFE INSURANCE COMPANY | $764 | — | $764 | 7.34% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH ST SW MS320 MOUNTLAKE TERRAC, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $502 | — | $502 | 4.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OR LLC | PO BOX 29018 PORTLAND, OR 97296 | SYMETRA LIFE INSURANCE COMPANY | $489 | — | $489 | 4.70% |
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 | 503 | 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) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 177 | $2.0M |
| Dental | PREMERA BLUE CROSS | 177 | $2.0M |
| Vision(2 contracts, 2 carriers) | PREMERA BLUE CROSS | 249 | $2.0M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 509 | $10K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $39K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $39K |
| Prescription drug | PREMERA BLUE CROSS | 177 | $2.0M |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 509 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.