| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3144 SPOKANE, WA 99220 | REGENCE BLUE SHIELD OF IDAHO | $26K | — | $26K | 5.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST | PO BOX 3018 BOTHELL, WA 98041 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INERNATIONAL NORTHWEST | PO BOX 3018 BOTHELL, WA 98041 | LINCOLN NATIONAL LIFE | $4K | — | $4K | 10.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUE SHIELD OF IDAHO EIN 82-0206874 CLAIMS PROCESSING SERICE | Non-monetary compensation; Float revenue; Claims processing; Insurance brokerage commissions and fees; Other services; Direct payment from the plan; Contract Administrator Service code 12 | 1211 W MYRTLE STREET BOISE, ID 98702 | $179K |
| HUB INTERNATIONAL NORTHWEST EIN 91-2036015 CONSULTANT | Consulting (general) Service code 16 | PO BOX 3108 BOTHELL, WA 98041 | $54K |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUE SHIELD OF IDAHO | 229 | $496K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $46K |
| Long-term disability | LINCOLN NATIONAL LIFE | 204 | $34K |
| Stop-loss / reinsurancereinsurance | REGENCE BLUE SHIELD OF IDAHO | 229 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.