| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 Filed as: PROPEL INSURANCE MEDFORD | STE 1000 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | KAISER PERMANENTE | $14K | — | $14K | 1.71% |
| PROPEL INSURANCE3 Filed as: PROPEL INSURANCE PORTLAND | 805 SW BROADWAY STE 2300 PORTLAND, OR 97205 | KAISER PERMANENTE | $10K | — | $10K | 1.25% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 Filed as: BRATRUD MIDDLETON INSURANCE PROPEL | PO BOX 2940 TACOMA, WA 98401 | LIFEMAP ASSURANCE COMPANY | $3K | $976 | $4K | 6.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | — | LIFEMAP ASSURANCE COMPANY | $969 | — | $969 | 1.52% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 Filed as: BRATRUD MIDDLETON INSURANCE PROPEL | 1201 PACIFIC AVENUE STE 1000 TACOMA, WA 98402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $517 | — | $517 | 4.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | PO BOX 29018 PORTLAND, OR 97296 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $194 | — | $194 | 1.64% |
| PROPEL INSURANCE3 | — | RELIANT BEHAVIORAL HEALTH | $0 | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN NW | PO BOX 29018 PORTLAND, OR 97296 | RELIANT BEHAVIORAL HEALTH | $0 | — | $0 | 0.00% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE | 206 | $793K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 139 | $12K |
| Prescription drug | KAISER PERMANENTE | 206 | $793K |
| Other | RELIANT BEHAVIORAL HEALTH | 100 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.