| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC | 2106 PACIFIC AVENUE, SUITE 501 TACOMA, WA 98402 | PREMERA BLUE CROSS | $61K | $0 | $61K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 2158 RIVERSIDE, CA 92516 | PREMERA BLUE CROSS | $31K | $0 | $31K | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC | 2106 PACIFIC AVENUE, SUITE 501 TACOMA, WA 98402 | DELTA DENTAL OF WASHINGTON | $9K | $0 | $9K | 3.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | DELTA DENTAL OF WASHINGTON | $4K | $0 | $4K | 1.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC | 2106 PACIFIC AVENUE, SUITE 501 TACOMA, WA 98402 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $148 | $11K | 5.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 835 NORTH POST STREET, SUITE 203 SPOKANE, WA 99201 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $180 | $2K | 1.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC | 800 5TH AVENUE, SUITE 2400 SEATTLE, WA 98104 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC | 2106 PACIFIC AVENUE, SUITE 501 TACOMA, WA 98402 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | VISION SERVICE PLAN | $309 | $0 | $309 | 0.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC | 2106 PACIFIC AVENUE, SUITE 501 TACOMA, WA 98402 | WILLAMETTE DENTAL OF IDAHO, INC. | $1K | $0 | $1K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC | 2106 PACIFIC AVENUE, SUITE 501 TACOMA, WA 98402 | FIRST CHOICE HEALTH | $364 | $0 | $364 | 5.01% |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 290 | $3.0M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF WASHINGTON | 413 | $299K |
| Vision | VISION SERVICE PLAN | 283 | $34K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 501 | $191K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 501 | $191K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 501 | $191K |
| Prescription drug | PREMERA BLUE CROSS | 290 | $3.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 501 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.
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.