| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 12100 NE 195TH ST SUITE 200 BOTHELL, WA 98011 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 3390 UNIVERSITY AVE #300 RIVERSIDE, CA 92501 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 0.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW LLC | 3911 CASTEVALE RD STE 209 YAKIMA, WA 98902 | SYMETRA LIFE INSURANCE COMPANY | $22K | — | $22K | 8.31% |
| EMSPRING CORPORATION3 | 3911 CASTEVALE RD STE 209 YAKIMA, WA 98902 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD STE 200 METAIRE, LA 70002 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES, INC EIN 81-0391256 ADMIN FEES | Contract Administrator; Other fees Service code 13 | — | $188K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 PBM | Claims processing Service code 12 | — | $45K |
| EMPLOYEE BENEFIT MGMT SERVICES INC EIN 81-0391256 CASE MANAGEMENT | Other fees Service code 99 | — | $36K |
| HUB INTERNATIONAL NORTHWEST EIN 91-2036015 BROKER | Insurance agents and brokers Service code 22 | — | $26K |
| FIRST CHOICE HEALTH NETWORK EIN 91-1272766 PPO | Other services Service code 49 | — | $25K |
| CARE OPERATIVE LLC EIN 20-8981027 HEALTHCARE BLUEBOOK | Other services Service code 49 | — | $8K |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 351 | $270K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 486 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.