| 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 CO OF PITTSBURGH, PA | $54K | — | $54K | 4.80% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH, PA | $45K | — | $45K | 4.00% |
| INTERREMEDY INSURANCE SERVICES3 | 315 MONTGOMERY ST STE 900 SAN FRANCISCO, CA 94104 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH, PA | $15K | — | $15K | 4.95% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH, PA | $3K | — | $3K | 1.00% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | — | $5K | 4.89% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | — | $2K | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWEST ADMINISTRATORS INC EIN 91-0680697 NONE | Accounting (including auditing); Contract Administrator; Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 10 | — | $438K |
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $207K |
| INNOVATIVE CARE MANAGEMENT EIN 93-1087669 NONE | Direct payment from the plan; Other services; Insurance services Service code 23 | — | $44K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Insurance agents and brokers; Direct payment from the plan; Consulting (general); Insurance brokerage commissions and fees; Insurance services Service code 16 | — | $32K |
| MCKENZIE ROTHWELL BARLOW & COUGHRAN EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
| THE BURCHFIELD GROUP, INC. EIN 41-1970937 NONE | Consulting (general) Service code 16 | — | $13K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Other services; Direct payment from the plan Service code 49 | — | $11K |
| TRUSTEE 01 TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 2323 EASTLAKE AVE E SEATTLE, WA 98102 | $6K |
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 | 725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 114 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 160 | $359K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 604 | $126K |
| Stop-loss / reinsurancereinsurance(2 contracts) | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH, PA | 639 | $1.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 604 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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."
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.