| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 | 925 FOURTH AVENUE SUITE 3200 SEATTLE, WA 98104 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $73K | — | $73K | 5.09% |
| PROPEL INSURANCE3 | 925 FOURTH AVENUE SUITE 3200 SEATTLE, WA 98104 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $34K | — | $34K | 5.29% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | DELTA DENTAL OF WASHINGTON | $7K | — | $7K | 4.40% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $646 | $3K | 12.87% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $575 | $3K | 12.85% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 984024321 | VISION SERVICE PLAN | $678 | — | $678 | 7.94% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 207 | $2.1M |
| Dental | DELTA DENTAL OF WASHINGTON | 259 | $154K |
| Vision | VISION SERVICE PLAN | 56 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $20K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.