| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA, INC. | — | VISION SERVICE PLAN | $191 | — | $191 | 11.84% |
| BRATRUD MIDDLETON INSURANCE3 Filed as: BRATRUD MIDDLETON INS | DBA PROPEL INSURANCE 1201 PACIFIC AVE SUITE 1000 TACOMA, WA 98402 | UNION SECURITY INSURANCE COMPANY | $80 | — | $80 | 10.00% |
| PROPEL INSURANCE3 | — | MAGELLAN BEHAVIORAL HEALTH | $62 | — | $62 | 11.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF WASHINGTON EIN 91-1622053 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $9K |
| TRUSTEED PLAN SERVICE CORP EIN 91-0780588 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $8K |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE COLUMBIA, SC | 132 | $24K |
| Vision | VISION SERVICE PLAN | 137 | $2K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 139 | $800 |
| Prescription drug | COMPANION LIFE COLUMBIA, SC | 132 | $24K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE COLUMBIA, SC | 139 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.