| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMEDY INSURANCE SERVICES3 | 315 MONTGOMERY ST STE 900 SAN FRANCISCO, CA 94104 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $52K | — | $52K | 4.80% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE #1000 TACOMA, WA 98402 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $43K | — | $43K | 4.00% |
| INTERREMEDY INSURANCE SERVICES3 | 315 MONTGOMERY ST STE 900 SAN FRANCISCO, CA 94104 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $13K | — | $13K | 4.85% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE #1000 TACOMA, WA 98402 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $8K | — | $8K | 3.00% |
| BRATRUD MIDDLETON INSURANCE3 | 1201 PACIFIC AVE STE 1000 TACOMA, WA 984024321 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | — | $5K | 4.48% |
| BRATRUD MIDDLETON INSURANCE3 | 1201 PACIFIC AVE STE 1000 TACOMA, WA 984024321 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | — | $2K | 10.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $1.8M |
| NORTHWEST ADMINISTRATORS INC. EIN 91-0680697 NONE | Direct payment from the plan; Accounting (including auditing); Contract Administrator; Investment management Service code 10 | — | $398K |
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Contract Administrator Service code 13 | — | $224K |
| INNOVATIVE CARE MANAGEMENT EIN 93-1087669 NONE | Other services; Insurance services; Direct payment from the plan Service code 23 | — | $40K |
| MCKENZIE ROTHWELL BARLOW & COUGHRAN EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $38K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Consulting (general); Insurance brokerage commissions and fees; Insurance agents and brokers Service code 16 | — | $36K |
| BURCHFIELD GROUP EIN 41-1970937 NONE | Consulting (general) Service code 16 | — | $17K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $14K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Custodial (other than securities) Service code 18 | — | $14K |
| MILLIMAN INC. EIN 91-0675641 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $8K |
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 | 888 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 119 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 826 | $142K |
| Stop-loss / reinsurancereinsurance(2 contracts) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 845 | $1.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 826 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 845 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.