| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 12100 NE 195TH STREET, SUITE 200 BOTHELL, WA 98011 | USABLE LIFE | $4K | $223 | $5K | 6.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 2100 NE 195TH, SUITE 200 BOTHELL, WA 98011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 13.80% |
| JOSEPH FOXLEY3 Filed as: JOSEPH P. FOXLEY | 2660 RAINIER PLACE WEST LINN, OR 97068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 10.29% |
| KYONG H. GOINS3 | 2931 1ST AVENUES, SUITE A SEATTLE, WA 98134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.76% |
| TJ INSURANCE LLC3 | 3101 PERIWINKLE STREET FOREST, OR 97116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $450 | $0 | $450 | 0.65% |
| SUSAN B. WRIGHT3 Filed as: SUSAN B. WRIGHT AND OTHER AGENTS | 4923 LAKERIDGE DRIVE EAST LAKE TAPPS, WA 98391 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | $0 | $280 | 0.41% |
| BRYAN G CORBIN LLC3 Filed as: BRYAN G. CORBIN LLC | 5885 MEADOWS ROAD LAKE OSWEGO, OR 97035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | $0 | $218 | 0.32% |
| BRYAN G CORBIN LLC3 | 8612 WEST MARY ANN DRIVE PEORIA, AZ 85382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | $0 | $200 | 0.29% |
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 | 505 | 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) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 454 | $77K |
| Long-term disability | USABLE LIFE | 454 | $77K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 454 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.