| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW | PO BOX 3144 BOTHELL, WA 98041 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW | PO BOX 3144 BOTHELL, WA 98041 | DELTA DENTAL OF WASHINGTON | $4K | — | $4K | 1.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW | PO BOX 3144 BOTHELL, WA 98041 | RELIANCE STANDARD INSURANCE COMPANY | $27K | $15K | $42K | 23.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW | PO BOX 3144 BOTHELL, WA 98041 | RELIANCE STANDARD INSURANCE COMPANY | $9K | — | $9K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW | PO BOX 3144 BOTHELL, WA 98041 | RELIANCE STANDARD INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN IEC GROUP EIN 82-0497661 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 2888 W EXCURSION LN MERIDIAN, ID 83642 | $385K |
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 | 525 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 557 | $414K |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 685 | $180K |
| Short-term disability | RELIANCE STANDARD INSURANCE COMPANY | 525 | $80K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 650 | $111K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 525 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 685 | — |
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.