| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS. BROKERS, INC | PO BOX 2940 TACOMA, WA 98401 | REGENCE BLUESHIELD | $32K | $0 | $32K | 4.46% |
| ALBERS & COMPANY3 Filed as: ALBERS AND COMPANY, INC. | 3000 A STREET, SUITE 400 ANCHORAGE, AK 99503 | REGENCE BLUESHIELD | $17K | $162 | $17K | 4.64% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS. BROKERS, INC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | UNION SECURITY INSURANCE COMPANY | $5K | $0 | $5K | 9.25% |
| ALBERS & COMPANY3 Filed as: ALBERS AND COMPANY, INC. | 4733 TACOMA MALL BOULEVARD SUITE 200 TACOMA, WA 98409 | UNION SECURITY INSURANCE COMPANY | $5K | $0 | $5K | 8.19% |
| ALBERS & COMPANY3 Filed as: ALBERS AND COMPANY, INC. | 3000 A STREET, SUITE 400 ANCHORAGE, AK 99503 | VISION SERVICES PLAN | $579 | $0 | $579 | 3.58% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS. BROKERS, INC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | VISION SERVICES PLAN | $390 | $0 | $390 | 2.41% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | REGENCE BLUESHIELD | 212 | $1.1M |
| Vision | VISION SERVICES PLAN | 124 | $16K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 134 | $56K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 134 | $56K |
| Prescription drug(2 contracts) | REGENCE BLUESHIELD | 212 | $1.1M |
| Other | UNION SECURITY INSURANCE COMPANY | 134 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.