| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DDI BENEFITS INC.3 Filed as: DDI BENEFITS, INC. | 2111 NE HALSEY STREET PORTLAND, OR 97232 | PROVIDENCE HEALTH PLANS | $9K | $0 | $9K | 1.36% |
| PROPEL INSURANCE3 | 925 FOURTH AVENUE, SUITE 3200 SEATTLE, WA 98104 | PROVIDENCE HEALTH PLANS | $8K | $0 | $8K | 1.27% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS. BROKERS, INC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.92% |
| RYAN MASON TANGVALD3 | 5665 MEADOWS ROAD, SUITE 350 LAKE OSWEGO, OR 97035 | PRINCIPAL LIFE INSURANCE COMPANY | $161 | $0 | $161 | 0.80% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS. BROKERS, INC | PO BOX 2940 TACOMA, WA 98401 | LIFEMAP ASSURANCE COMPANY | $204 | $0 | $204 | 5.01% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLANS | 97 | $638K |
| Vision | LIFEMAP ASSURANCE COMPANY | 55 | $4K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 127 | $20K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 127 | $20K |
| Prescription drug | PROVIDENCE HEALTH PLANS | 97 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.