| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 11714 NORTH CREEK PARKWAY NORTH BOTHELL, WA 98011 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 4.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 12100 NE 195TH STREET BOTHELL, WA 98041 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.92% |
| BRUCE J CURRIER3 | PO BOX 3334 BELLEVUE, WA 98009 | AFLAC | $2K | $98 | $2K | 6.73% |
| GAIL BERG3 Filed as: GAIL J BERG | 4190 SHORECREST DRIVE NE MOSES LAKE, WA 98837 | AFLAC | $1K | $0 | $1K | 4.56% |
| SANDRA M LOHNES3 Filed as: SANDRA LOHNES AND OTHER AGENTS | PO BOX 678 EASTON, WA 98925 | AFLAC | $860 | $0 | $860 | 2.67% |
| NANCY LAPHAM3 Filed as: NANCY L WALDNER | 1685 134TH AVENUE SE APARTMANT 1203 BELLEVUE, WA 98005 | AFLAC | $235 | $20 | $255 | 0.79% |
| JANIS WEST3 | 210 DAWN CREST PLACE CAMANO ISLAND, WA 98282 | AFLAC | $233 | $0 | $233 | 0.72% |
| CHRISTOPHER A. BERG3 Filed as: CHRISTOPHER A BERG | 14220 21ST DRIVE SE MILL CREEK, WA 98012 | AFLAC | $202 | $0 | $202 | 0.63% |
| KIMBERLY FERGUSON3 Filed as: KIMBERLY MOGER | 14716 SE 83RD PLACE NEWCASTLE, WA 98059 | AFLAC | $173 | $20 | $193 | 0.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 749083 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $748 | $0 | $748 | 7.51% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $136K |
| Vision | VISION SERVICE PLAN | 108 | $10K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $136K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $136K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.