| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED RISK SOLUTIONS, INC.3 Filed as: UNITED RISK SOLUTIONS | PO BOX 936 MEDFORD, OR 97501 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $47K | $1K | $48K | 4.35% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS BROKERS INC. | PO BOX 2940 TACOMA, WA 98401 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $9K | — | $9K | 0.78% |
| UNITED RISK SOLUTIONS, INC.3 Filed as: UNITED RISK SOLUTIONS | PO BOX 936 MEDFORD, OR 97501 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $4K | — | $4K | 0.37% |
| UNITED RISK SOLUTIONS, INC.3 Filed as: UNITED RISK SOLUTIONS | PO BOX 936 MEDFORD, OR 97501 | WILLAMETTE DENTAL INSURANCE, INC. | $2K | — | $2K | 5.00% |
| UNITED RISK SOLUTIONS, INC.3 Filed as: UNITED RISK SOLUTIONS | PO BOX 936 MEDFORD, OR 97501 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $573 | $3K | 6.85% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS BKRS INC. | 1201 PACIFIC AVENUE SUITE 1000 TACOMA, WA 98402 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.65% |
| UNITED RISK SOLUTIONS, INC.3 Filed as: UNITED RISK SOLUTIONS | PO BOX 936 MEDFORD, OR 97501 | AMERITAS | $2K | — | $2K | 7.49% |
| UNITED RISK SOLUTIONS, INC.3 Filed as: UNITED RISK SOLUTIONS | PO BOX 936 MEDFORD, OR 97501 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $537 | $2K | 10.54% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS BKRS INC. | 1201 PACIFIC AVENUE SUITE 1000 TACOMA, WA 98402 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $452 | — | $452 | 2.48% |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 194 | $1.1M |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL INSURANCE, INC. | 109 | $82K |
| Vision | AMERITAS | 310 | $21K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 260 | $18K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 194 | $1.1M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 260 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.