| 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. | $68K | — | $68K | 5.00% |
| BRATRUD MIDDLETON INS BROKERS INC3 | C/O PACIFIC ADVISORS 1201 PACIFIC AVE STE 1000 TACOMA, WA 984024321 | UNITED OF OMAHA LIFE INSURANCE CO. | $4K | — | $4K | 8.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Accounting (including auditing); Other services Service code 10 | — | $166K |
| PROPEL INSURANCE, INC. EIN 91-0830024 NONE | Insurance services; Insurance brokerage commissions and fees; Consulting (general) Service code 16 | — | $71K |
| AUDIT SERVICES, INC. EIN 91-0877177 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $27K |
| DAVIDSON INVESTMENT ADVISORS EIN 41-0956607 NONE | Investment management; Direct payment from the plan Service code 28 | — | $25K |
| 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 | — | $18K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
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 | 813 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 844 | $406K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO. | 810 | $46K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA. | 947 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE CO. | 810 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 947 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.