| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMEDY INSURANCE SERVICES3 Filed as: INTERREMEDY INSURANCE SERVICES, LLC | — | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA. | $49K | — | $49K | 5.00% |
| BRATRUD MIDDLETON INS BROKERS INC3 | C/O PACIFIC ADVISORS 1702 N 34TH ST SEATTLE, WA 98103 | UNITED OF OMAHA LIFE INSURANCE CO. | $4K | — | $4K | 8.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Claims processing; Direct payment from the plan; Plan Administrator Service code 12 | — | $171K |
| PROPEL INSURANCE, INC. EIN 91-0930024 NONE | Consulting (general); Insurance agents and brokers; Insurance brokerage commissions and fees Service code 16 | — | $71K |
| DAVIDSON INVESTMENT ADVISORS EIN 41-0956607 NONE | Direct payment from the plan; Investment management Service code 28 | — | $28K |
| AUDIT SERVICES, INC. EIN 91-0877177 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
| MCKENZIE, ROTHWELL, BARLOW, & KORPI EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $23K |
| FIRST INTERSTATE BANK EIN 81-6023169 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $19K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $17K |
| MILLIMAN USA EIN 91-0675641 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $12K |
| LAWTON PRINTING SERVICES NONE | Other services; Direct payment from the plan Service code 49 | 4111 E MISSION AVE SPOKANE, WA 99202 | $9K |
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 | 99 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO. | 867 | $49K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA. | 979 | $987K |
| Other | UNITED OF OMAHA LIFE INSURANCE CO. | 867 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 979 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.