| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRATRUD MIDDLETON INS BROKERS INC3 | PO BOX 2940 TACOMA, WA 98401 | LIFEMAP ASSURANCE COMPANY | — | $289 | $289 | 1.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIAM C. EARHART COMPANY, INC. EIN 93-0509592 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $111K |
| US BANK EIN 93-0571729 INVESTMENT MANAGER | Trustee (bank, trust company, or similar financial institution); Custodial (securities); Account maintenance fees Service code 19 | — | $76K |
| PROPEL INSURANCE EIN 93-0464898 CONSULTANT | Consulting (general) Service code 16 | — | $28K |
| LOOMIS SAYLES & CO, LP EIN 04-3200030 INVESTMENT CONSULTANT | Investment advisory (plan); Investment management Service code 27 | — | $24K |
| MCKENZIE ROTHWELL BARLOW EIN 91-0889948 LEGAL COUNSEL | Legal Service code 29 | — | $20K |
| AKT LLP EIN 93-0623286 AUDITOR | Accounting (including auditing) Service code 10 | — | $17K |
| MILLIMAN, INC. EIN 91-0675641 ACTUARY | Actuarial Service code 11 | — | $16K |
| LINDQUIST LLP EIN 52-2385296 PAYROLL AUDITOR | Accounting (including auditing) Service code 10 | — | $7K |
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 | 835 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 272 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | REGENCE BCBSO | 1,554 | $11.7M |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 832 | $20K |
| Stop-loss / reinsurancereinsurance | REGENCE BCBSO | 1,554 | $8.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,554 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.