| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE P.O. BOX 2940 TACOMA, WA 98401 | REGENCE BLUESHIELD | $52K | — | $52K | 4.33% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | DELTA DENTAL OF WASHINGTON | $7K | — | $7K | 5.00% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE P.O. BOX 2940 TACOMA, WA 98401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 15.64% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 984024321 | VISION SERVICE PLAN | $901 | — | $901 | 6.43% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 183 | $1.2M |
| Dental | DELTA DENTAL OF WASHINGTON | 202 | $135K |
| Vision | VISION SERVICE PLAN | 121 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $46K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $46K |
| Prescription drug | REGENCE BLUESHIELD | 183 | $1.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.