| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 | 925 4TH AVENUE, SUITE 3200 SEATTLE, WA 98104 | DELTA DENTAL OF WASHINGTON | $34K | $0 | $34K | 8.02% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.28% |
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 | 578 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FROUNDATION HEALTH PLAN OF WASHINGTON | 469 | $3.9M |
| Dental | DELTA DENTAL OF WASHINGTON | 745 | $419K |
| Vision | VISION SERVICE PLAN | 337 | $36K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FROUNDATION HEALTH PLAN OF WASHINGTON | 469 | $3.9M |
| Other | WELLSPRING FAMILY SERVICES EAP | 578 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.