| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 | 1461 BROADWAY SUITE B LONGVIEW, WA 98362 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $91K | — | $91K | 2.46% |
| 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 | $16K | — | $16K | 7.53% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE P.O. BOX 2940 TACOMA, WA 98401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $796 | $4K | 5.08% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE P.O. BOX 2940 TACOMA, WA 98401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $15 | $3K | 4.73% |
| 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 | $2K | $330 | $2K | 4.85% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | DBA PROPEL INSURANCE P.O. BOX 2940 TACOMA, WA 984012940 | FIRST CHOICE HEALTH NETWORK | $2K | — | $2K | 9.61% |
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 | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 734 | $3.7M |
| Dental | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES | 649 | $310K |
| Vision | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 734 | $3.7M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 670 | $113K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 734 | $3.7M |
| Other(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 813 | $338K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.