| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 | 925 FOURTH AVENUE SUITE 3200 SEATTLE, WA 98104 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $87K | — | $87K | 1.39% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE P.O. BOX 2940 TACOMA, WA 984012940 | DELTA DENTAL OF WASHINGTON | $21K | — | $21K | 5.01% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 12.21% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $216 | $216 | 0.08% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 984024321 | VISION SERVICE PLAN | $2K | — | $2K | 3.83% |
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 | 680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 688 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 676 | $6.3M |
| Dental | DELTA DENTAL OF WASHINGTON | 792 | $421K |
| Vision | VISION SERVICE PLAN | 638 | $42K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 680 | $256K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 680 | $256K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 680 | $256K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 676 | $6.3M |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 680 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 792 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.