| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY INC. | 6628 212TH STREET SW, SUITE 112 LYNNWOOD, WA 98036 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $0 | $33K | 2.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 2.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 749083 LOS ANGELES, CA 90074 | LIFEMAP ASSURANCE COMPANY | $2K | $0 | $2K | 4.72% |
| BELL-ANDERSON AGENCY INC Filed as: BELL-ANDERSON AGENCY INC. | 600 SW 39TH STREET, SUITE 200 RENTON, WA 98057 | LIFEMAP ASSURANCE COMPANY | $2K | $0 | $2K | 4.62% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $1.2M |
| Vision | LIFEMAP ASSURANCE COMPANY | 187 | $35K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 187 | $35K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 187 | $35K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $1.2M |
| Other | LIFEMAP ASSURANCE COMPANY | 187 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.