| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 2157 RIVERSIDE, CA 92516 | PREMERA BLUE CROSS | $59K | $1K | $60K | 4.91% |
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE SERVICES, LLC | PO BOX 2528 PASCO, WA 99302 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $225 | $4K | 12.54% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC | 7001 220TH ST SW MOUNTLAKE TERRACE, WA 98043 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE SERVICES, LLC | PO BOX 10088 YAKIMA, WA 98909 | VISION SERVICE PLAN | $937 | $0 | $937 | 6.15% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 217 | $1.2M |
| Dental | PREMERA BLUE CROSS | 217 | $1.2M |
| Vision(2 contracts, 2 carriers) | PREMERA BLUE CROSS | 217 | $1.2M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $30K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $30K |
| Prescription drug | PREMERA BLUE CROSS | 217 | $1.2M |
| Stop-loss / reinsurancereinsurance | PREMERA BLUE CROSS | 217 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.