| 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 | $31K | $0 | $31K | 4.74% |
| PROPEL INSURANCE3 | 601 UNION STREET, SUITE 3400 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $15K | $0 | $15K | 5.20% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | 925 4TH AVENUE, SUITE 3200 SEATTLE, WA 98104 | DELTA DENTAL OF WASHINGTON | $4K | $0 | $4K | 4.97% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.91% |
| PROPEL INSURANCE3 | 601 UNION STREET, SUITE 3400 SEATTLE, WA 98101 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $756 | $0 | $756 | 5.49% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | 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 | 109 | $948K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 130 | $90K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 109 | $948K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $46K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 109 | $948K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.