| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRATRUD MIDDLETON INSURANCE BROKERS3 | 1201 PACIFIC AVENUE TACOMA, WA 98402 | MODA HEALTH | $52K | — | $52K | 3.48% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SO. 8TH ST. MINNEAPOLIS, MN 55402 | MODA HEALTH | $23K | — | $23K | 1.52% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | 1201 PACIFIC AVENUE TACOMA, WA 98402 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $6K | — | $6K | 3.48% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SO. 8TH ST. MINNEAPOLIS, MN 55402 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $3K | — | $3K | 1.52% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INSURANCE BROKER | PO BOX 2940 TACOMA, WA 98401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $376 | $6K | 6.46% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SO. 8TH ST. MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.33% |
| PROPEL INSURANCE3 | PO BOX 936 MEDFORD, OR 97501 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $241 | $2K | 7.43% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SO. 8TH ST. MINNEAPOLIS, MN 55402 | AMERITAS LIFE INSURANCE CORPORATION | $1K | — | $1K | 3.35% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | 1201 PACIFIC AVENUE TACOMA, WA 98402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $78 | $2K | 9.55% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SO. 8TH ST. MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $809 | — | $809 | 4.71% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | PO BOX 2940 TACOMA, WA 98401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 39.02% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MODA HEALTH | 333 | $1.5M |
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 298 | $171K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 325 | $31K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $86K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $86K |
| Prescription drug | MODA HEALTH | 333 | $1.5M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.