| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADTRUD MIDDLETON INSURANCE BROKER3 Filed as: BRADTRUD MIDDLETON INS. BROKERS | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | AETNA LIFE INSURANCE COMPANY | $34K | $0 | $34K | 1.76% |
| PROPEL INSURANCE3 | 1201 PACIFE AVENUE, SUITE 1000 TACOMA, WA 98402 | AETNA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 1.22% |
| PROFESSIONAL BENEFIT CONSULTANTS3 | 7525 SE 24TH STREET, SUITE 350 MERCER ISLAND, WA 98040 | STANDARD INSURANCE COMPANY | $32K | $2K | $34K | 19.05% |
| BRADTRUD MIDDLETON INSURANCE BROKER3 Filed as: BRADTRUD MIDDLETON INS. BROKERS | 925 4TH AVENUE, SUITE 3200 SEATTLE, WA 98104 | DELTA DENTAL OF WASHINGTON | $7K | $0 | $7K | 4.59% |
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 | 239 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 296 | $1.9M |
| Dental | DELTA DENTAL OF WASHINGTON | 397 | $149K |
| Life insurance | STANDARD INSURANCE COMPANY | 239 | $180K |
| Long-term disability | STANDARD INSURANCE COMPANY | 239 | $180K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 296 | $1.9M |
| Other | STANDARD INSURANCE COMPANY | 239 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.