| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRATRUD MIDDLETON INSURANCE BROKERS3 | PO BOX 2940 TACOMA, WA 98401 | MODA HEALTH | $25K | — | $25K | 2.27% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 | PO BOX 2940 TACOMA, WA 98401 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $3K | — | $3K | 5.03% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 12 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $272 | $272 | 3.96% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR. SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $233 | $233 | 3.39% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST., SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $103 | $103 | 1.50% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVE. SUITE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $203 | $203 | 4.10% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR. SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $174 | $174 | 3.51% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST., SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $74 | $74 | 1.49% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVE. SUITE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $215 | $215 | 5.01% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR. SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $184 | $184 | 4.29% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST., SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $64 | $64 | 1.49% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVE. SUITE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $691 | $691 | — |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR. SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $593 | $593 | — |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MODA HEALTH | 74 | $1.1M |
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 61 | $63K |
| Vision | MODA HEALTH | 74 | $1.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $5K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $7K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.