| 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. | $100K | $0 | $100K | 1.46% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | DELTA DENTAL OF WASHINGTON | $21K | $0 | $21K | 4.58% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 6.97% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $183 | $183 | 0.10% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS. BROKERS | PO BOX 2940 TACOMA, WA 98401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 6.17% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS. BROKERS | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.77% |
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 | 691 | 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) | 698 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 690 | $6.9M |
| Dental | DELTA DENTAL OF WASHINGTON | 832 | $453K |
| Vision | VISION SERVICE PLAN | 648 | $49K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 691 | $367K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 691 | $367K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 691 | $367K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 690 | $6.9M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 691 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 832 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.