| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST, LLC | PO BOX 3018 BOTHELL, WA 98041 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST, LLC | 150 NORTH RIVERSIDE PLAZA SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.83% |
| MICHAEL D SCHULTZ3 Filed as: MICHAEL T. PETTERSON | 2807 WEST WASHINGTON AVENUE SUITE 107 YAKIMA, WA 98908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 9.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST, LLC | 12100 NE 195TH, SUITE 200 BOTHELL, WA 98011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $940 | $0 | $940 | 6.82% |
| AXIS INSURANCE LLC3 Filed as: AXIS INSURANCE, LLC | 155 108TH AVENUE NE, SUITE 725 BELLEVUE, WA 98004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $540 | $0 | $540 | 3.92% |
| JENIFER L. BUSEY3 | 11 PERHAM LOOP ROAD SELAH, WA 98942 | CONTINENTAL AMERICAN INSURANCE COMPANY | $373 | $0 | $373 | 2.71% |
| KYONG H. GOINS3 Filed as: KYONG HIU GOINS | 7711 27TH AVENUE SW SEATTLE, WA 98126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $340 | $0 | $340 | 2.47% |
| DAVID JOSHUA ABDELAZIZ3 Filed as: DAVID J. ABDELAZIZ | 6404 DODGER DRIVE PASCO, WA 99301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $178 | $0 | $178 | 1.29% |
| TERRY K ALLEN3 Filed as: TERRY K. ALLEN | 20930 EAST HAPPY TRAILS LANE OTIS ORCHARDS, WA 99027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.26% |
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE, INC. | PO BOX 10088 YAKIMA, WA 98909 | AFLAC | $196 | $0 | $196 | 6.99% |
| TRICIA CHARLES3 | 1118 WEST LINCOLN AVENUE, SUITE B YAKIMA, WA 98902 | AFLAC | $62 | $0 | $62 | 2.21% |
| MICHAEL A MAYER3 Filed as: MICHAEL A. MAYER | 4406 CAMPOLINA LANE PASCO, WA 99301 | AFLAC | $54 | $0 | $54 | 1.93% |
| GERALD INGRAHAM3 | PO BOX 133 MOXEE, WA 98936 | AFLAC | $42 | $0 | $42 | 1.50% |
| DARAN L WYCKOFF3 Filed as: DARAN L. WYCKOFF | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $4 | $0 | $4 | 0.14% |
| CLIFF HARRISON BARROWS3 | 5716 SOUTH FERRALL STREET SPOKANE, WA 99223 | AFLAC | $3 | $0 | $3 | 0.11% |
| KRISTEN SUE PLAISANCE3 | 11315 EAST 12TH AVENUE SPOKANE VALLEY, WA 99206 | AFLAC | $3 | $0 | $3 | 0.11% |
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 | 399 | 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) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 473 | $189K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 473 | $189K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 473 | $189K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 473 | $189K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 473 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.