| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 | 888 SW 5TH AVENUE PORTLAND, OR 97204 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC | $39K | $0 | $39K | 2.97% |
| PROPEL INSURANCE3 | 888 SW 5TH AVENUE PORTLAND, OR 97204 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $24K | $0 | $24K | 3.40% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 Filed as: BRATRUD MIDDLETON INS. BROKERS INC. | PO BOX 2940 TACOMA, WA 98401 | STANDARD INSURANCE COMPANY | $20K | $1K | $22K | 17.27% |
| PROPEL INSURANCE3 | 888 SW 5TH AVENUE PORTLAND, OR 97204 | WILLAMETTE DENTAL OF WASHINGTON, INC | $2K | $0 | $2K | 5.00% |
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 | 283 | 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) | 283 | 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 OPTIONS, INC | 168 | $2.0M |
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC | 56 | $31K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC | 168 | $2.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 283 | $126K |
| Long-term disability | STANDARD INSURANCE COMPANY | 283 | $126K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC | 168 | $2.0M |
| Other | STANDARD INSURANCE COMPANY | 283 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.