| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEA MOUNTAIN INSURANCE BROKERS INC3 | 19630 76TH AVE WEST LYNNWOOD, WA 98036 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $32K | — | $32K | 2.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 12100 NE 195TH ST - STE 200 BOTHELL, WA 98011 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $23K | — | $23K | 2.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $902 | $3K | 3.62% |
| SEA MOUNTAIN INSURANCE BROKERS INC3 Filed as: SEA MOUNTAIN INSURANCE BROKERS INC. | 19630 76TH AVE W LYNNWOOD, WA 98036 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 12100 NE 195TH ST-STE 200 BOTHELL, WA 98011 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 11.93% |
| SEA MOUNTAIN INSURANCE BROKERS INC3 Filed as: SEA MOUNTAIN INSURANCE BROKERS | 19630 76TH AVE W LYNNWOOD, WA 98036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.80% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST - STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $287 | $287 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 12100 NE 195TH ST -STE 200 BOTHELL, WA 98031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $819 | $756 | $2K | 11.90% |
| SEA MOUNTAIN INSURANCE BROKERS INC3 Filed as: SEA MOUNTAIN INSURANCE BROKERS, INC | 19630 76TH AVE W LYNNWOOD, WA 98036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.81% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST - STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $199 | $199 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 1201 1ST AVE SOUTH - STE 306 SEATTLE, WA 98134 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $519 | — | $519 | 4.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 12100 NE 195TH ST -STE 200 BOTHELL, WA 98011 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $519 | — | $519 | 4.08% |
| SEA MOUNTAIN INSURANCE BROKERS INC3 | 19630 76TH AVE WEST LYNNWOOD, WA 98036 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $349 | — | $349 | 2.74% |
| SEA MOUNTAIN INSURANCE BROKERS INC3 Filed as: SEA-MOUNTAIN INSURANCE BROKERS INC. | 19630 76TH AVE W LYNNWOOD, WA 98036 | VISION SERVICE PLAN | $533 | — | $533 | 5.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | VISION SERVICE PLAN | $215 | — | $215 | 2.30% |
| EMPLOYEE NAVIGATOR, LLC3 | 7973 OLD GEORGETOWN RD - STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $39 | — | $39 | 0.42% |
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 | 118 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 138 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 181 | $87K |
| Vision | VISION SERVICE PLAN | 71 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $19K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 138 | $1.1M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.