| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 | 601 UNION STREET, SUITE 3400 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $47K | $0 | $47K | 4.00% |
| PROPEL INSURANCE3 | UNKNOWN REDMOND, WA 98053 | DELTA DENTAL OF WASHINGTON | $7K | $0 | $7K | 4.59% |
| PROPEL INSURANCE3 | PO BOX 2940 TACOMA, WA 98401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 12.69% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS BROKERS, INC. | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | VISION SERVICE PLAN | $792 | $0 | $792 | 5.38% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 202 | $1.2M |
| Dental | DELTA DENTAL OF WASHINGTON | 220 | $145K |
| Vision | VISION SERVICE PLAN | 122 | $15K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $54K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $54K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 202 | $1.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.