| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRATRUD MIDDLETON INSURANCE BROKERS3 | PO BOX 2940 TACOMA, WA 98401 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $63K | $70K | 4.56% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS. BROKERS INC. | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.44% |
| UNITED RISK SOLUTIONS, INC.3 Filed as: UNITED RISK SOLUTIONS INC. | 2045 CARDINAL AVENUE, SUITE 300 MEDFORD, OR 97504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.54% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS. BROKERS INC. | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.67% |
| UNITED RISK SOLUTIONS, INC.3 Filed as: UNITED RISK SOLUTIONS INC. | 2045 CARDINAL AVENUE, SUITE 300 MEDFORD, OR 97504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $614 | $0 | $614 | 3.33% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS. BROKERS INC. | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.71% |
| UNITED RISH SOLUTIONS INC.3 | 2045 CARDINAL AVENUE, SUITE 300 MEDFORD, OR 97504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $356 | $0 | $356 | 2.30% |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 411 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 411 | $1.5M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 378 | $26K |
| Life insurance(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $34K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $61K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 411 | $1.5M |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.