| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC | PO BOX 2158 RIVERSIDE, CA 92516 | PREMERA BLUE CROSS | $95K | $10K | $104K | 3.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 501 SOUTH BERNARD STREET, SUITE 201 SPOKANE, WA 99204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $4K | $28K | 17.29% |
| MJ INSURANCE3 Filed as: ANNA HOOBLER AND VARIOUS AGENTS | 14220 INTERURBAN AVENUE SOUTH SUITE 150 TUKWILA, WA 98168 | AFLAC | $3K | $111 | $3K | 6.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTAIONAL INS SVCES., INC. | PO BOX 3018 BOTHELL, WA 98041 | AFLAC | $2K | — | $2K | 3.43% |
| MARGARET A. TIBBITS3 Filed as: MARGARET TIBBITS | PO BOX 32388 BELLINGHAM, WA 98228 | AFLAC | $1K | — | $1K | 2.81% |
| SUSAN WRIGHT3 | 4923 LAKERIDGE DRIVE EAST LAKE TAPPS, WA 98391 | AFLAC | $1K | $146 | $1K | 2.67% |
| BARRY G WIEBE3 Filed as: BARRY WIEBE | 5479 SUNDOWN VIEW TERRACE BELLINGHAM, WA 98226 | AFLAC | $830 | $76 | $906 | 1.84% |
| CONNIE J WRIGHT3 Filed as: CONNIE WRIGHT | 720 VALLEY MALL PARKWAY EAST WENATCHEE, WA 98802 | AFLAC | $628 | $67 | $695 | 1.41% |
| LISA R PETERS3 Filed as: LISA PETERS | 1932 EAST COLLEGE WAY, SUITE B MOUNT VERNON, WA 98273 | AFLAC | $479 | $15 | $494 | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC | PO BOX 749083 BOTHELL, WA 98041 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
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 | 443 | 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) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 351 | $2.6M |
| Vision | VISION SERVICE PLAN | 364 | $37K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 443 | $162K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 443 | $162K |
| Prescription drug | PREMERA BLUE CROSS | 351 | $2.6M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 443 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.