| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $15K | $29K | 4.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST, LLC | PO BOX 3018 BOTHELL, WA 98041 | DELTA DENTAL OF WASHINGTON | $4K | — | $4K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST, LLC | PO BOX 3018 BOTHELL, WA 98041 | RELIANCE STANDARD | $9K | — | $9K | 4.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $3K | $8K | 4.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN IEC GROUP TPA EIN 82-0308198 CLAIM PROCESSING / CMU | Claims processing Service code 12 | 3449 E COPPER POINT DRIVE MERIDIAN, ID 83642 | $172K |
| HUB INTERNATIONAL NORTHWEST, LLC EIN 91-2036015 CONSULTANT | Consulting (general) Service code 16 | 12100 NE 195TH STREET SUITE 200 BOTHELL, WA 98011 | $59K |
| FIRST CHOICE HEALTH NETWORK EIN 91-1272766 PPO NETWORK | Other insurance fees and expenses Service code 73 | 600 UNIVERSITY STREET SUITE 1400 SEATTLE, WA 98101 | $44K |
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 | 470 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 514 | $400K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 510 | $181K |
| Short-term disability | RELIANCE STANDARD | 503 | $198K |
| Long-term disability | RELIANCE STANDARD | 503 | $198K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 470 | $711K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.