| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 | 1461 BROADWAY SUITE B LONGVIEW, WA 98362 | GROUP HEALTH OPTIONS, INC. | $101K | — | $101K | 2.49% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE 1201 PACIFIC AVENUE SUITE 1000 TACOMA, WA 984024321 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES | — | $9K | $9K | 3.27% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INSURANCE COMPANY | DBA PROPEL INSURANCE P.O. BOX 2940 TACOMA, WA 98401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31K | — | $31K | 17.55% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE P.O. BOX 2940 TACOMA, WA 98401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $96 | $7K | 12.68% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE P.O. BOX 2940 TACOMA, WA 98401 | UNUM LIFE INSURANCE COMPANY | $2K | $924 | $3K | 6.00% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDELTON INSURANCE BROKERS | DBA PROPEL INSURANCE P.O. BOX 2940 TACOMA, WA 98401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $708 | $2K | 6.00% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE P.O. BOX 2940 TACOMA, WA 984012940 | FIRST CHOICE HEALTH NETWORK | $2K | — | $2K | 9.62% |
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 | 813 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HEALTH OPTIONS, INC. | 742 | $4.1M |
| Dental | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES | 658 | $287K |
| Vision | GROUP HEALTH OPTIONS, INC. | 742 | $4.1M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 646 | $82K |
| Prescription drug | GROUP HEALTH OPTIONS, INC. | 742 | $4.1M |
| Other(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 813 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 813 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.