| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | P.O. BOX 2940 TACOMA, WA 98401 | PREMERA BLUE CROSS | $44K | — | $44K | 4.42% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA | 5985 HOME GARDENS DRIVE SUITE A RENO, NV 89502 | PREMERA BLUE CROSS | $5K | — | $5K | 0.51% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE SUITE 1000 TACOMA, WA 98402 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 8.26% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA | 5985 HOME GARDENS DRIVE SUITE A RENO, NV 89502 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 1.76% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE SUITE 1000 TACOMA, WA 98402 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 12.23% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA | 5985 HOME GARDENS DRIVE SUITE A RENO, NV 89502 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 2.72% |
| PROPEL INSURANCE3 Filed as: PROPEL | 1201 PACIFIC AVENUE SUITE 1000 TACOMA, WA 98402 | FIRST CHOICE HEALTH NETWORK | $1K | — | $1K | 11.90% |
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 | 465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 0 | $1.0M |
| Dental | UNION SECURITY INSURANCE COMPANY | 188 | $96K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 465 | $47K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 465 | $47K |
| Prescription drug | PREMERA BLUE CROSS | 0 | $1.0M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 465 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.