| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 2632 SOUTH CORBIN CIRCLE GREENACRES, WA 99016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 14.33% |
| VANMAR INSURANCE LLC3 | 15 NORTH NACHES AVENUE YAKIMA, WA 98901 | AFLAC | $2K | $0 | $2K | 4.50% |
| GERALD INGRAHAM3 | PO BOX 133 MOXEE, WA 98936 | AFLAC | $779 | $0 | $779 | 1.83% |
| VIRGINIA R. STAGGERS3 Filed as: VIRGINIA R STAGGERS | 260 NW GOLDEN HILL DRIVE. SPC 29 PULLMAN, WA 99163 | AFLAC | $775 | $0 | $775 | 1.82% |
| BRAIN W BALMES3 | 757 HIGH VALLEY ROAD SALAH, WA 98942 | AFLAC | $536 | $0 | $536 | 1.26% |
| TRICIA CHARLES3 | 1118 WEST LINCOLN AVENUE, SUITE B YAKIMA, WA 98902 | AFLAC | $454 | $0 | $454 | 1.07% |
| LINDA F CRAIG3 | 1336 THEO WAY ROCK ISLAND, WA 98850 | AFLAC | $295 | $0 | $295 | 0.69% |
| SEAN F HARRINGTON3 | 11151 MIERAS ROAD YAKIMA, WA 98901 | AFLAC | $246 | $0 | $246 | 0.58% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $75K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $75K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.