| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 | PO BOX 2940 TACOMA, WA 98401 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS,INC | $33K | $0 | $33K | 4.56% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $4K | $0 | $4K | 2.51% |
| BRATRUD MIDDLETON INSURANCE3 | PO BOX 2940 TACOMA, WA 98401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $696 | $9K | 16.25% |
| BRATRUD MIDDLETON INSURANCE3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | VISION SERVICE PLAN | $635 | $0 | $635 | 8.26% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS,INC | 83 | $887K |
| Vision | VISION SERVICE PLAN | 57 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $56K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS,INC | 83 | $887K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.