| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS BROKERS INC. | PO BOX 936 MEDFORD, OR 97501 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $25K | $2K | $28K | 2.16% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS BROKERS INC. | PO BOX 2940 TACOMA, WA 98401 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $26K | — | $26K | 2.04% |
| BRATRUD MIDDLETON INS BROKERS INC3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.63% |
| PROPEL INSURANCE3 | 2045 CARDINAL AVENUE MEDFORD, OR 97504 | WILLAMETTE DENTAL INSURANCE, INC. | $2K | — | $2K | 5.00% |
| BRATRUD MIDDLETON INS BROKERS INC3 | PO BOX 936 MEDFORD, OR 97501 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 12.34% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 198 | $1.3M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $103K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 316 | $23K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $59K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 198 | $1.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.