| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | 1 MONARCH PLACE, SUITE 1500 SPRINGFIELD, MA 01144 | HEALTH NEW ENGLAND, INC. | $57K | $0 | $57K | 1.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 2632 SOUTH CORBIN CIRCLE GREENACRES, WA 99016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | $14K | $46K | 21.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.17% |
| THE WRIGHT BENEFITS LLC3 | 4923 LAKERIDGE DRIVE EAST LAKE TAPPS, WA 98391 | AFLAC | $2K | $0 | $2K | 4.90% |
| LISA R PETERS3 Filed as: LISA R. PETERS | 17813 WEST COUNTRY CLUB DRIVE ARLINGTON, WA 98223 | AFLAC | $1K | $0 | $1K | 3.13% |
| MARGARET A. TIBBITS3 | 3064 NORTHSHORE ROAD BELLINGHAM, WA 98226 | AFLAC | $473 | $0 | $473 | 1.42% |
| JAMEY MILLER INC3 | 12942 193RD AVENUE EAST BONNEY LAKE, WA 98391 | AFLAC | $406 | $0 | $406 | 1.22% |
| BRANDON PENKO3 Filed as: BRANDON C. HOOBLER | 1230 SOUTH 336TH STREET, SUITE A FEDERAL WAY, WA 98003 | AFLAC | $216 | $0 | $216 | 0.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | AFLAC | $185 | $0 | $185 | 0.56% |
| ANNA J HOOBLER3 Filed as: ANNA J. HOOBLER | 4424 6TH AVENUE, SUITE C1 TACOMA, WA 98406 | AFLAC | $175 | $0 | $175 | 0.53% |
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 | 455 | 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) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 406 | $53K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $211K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $211K |
| Other(3 contracts, 3 carriers) | HEALTH NEW ENGLAND, INC. | 455 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
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.