| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PERVIDIO BENEFITS SERVICES LLC3 | PO BOX 273 COLBERT, WA 99005 | BERKLEY LIFE AND HEALTH INSURANCE CO. | $9K | $0 | $9K | 3.00% |
| PERVIDIO BENEFITS SERVICES LLC3 | PO BOX 273 COLBERT, WA 99005 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 835 NORTH POST STREET SUITE 203 SPOKANE, WA 99201 | METROPOLITAN LIFE INSURANCE COMPANY | $139 | $45 | $184 | 0.20% |
| PERVIDIO BENEFITS SERVICES LLC3 | PO BOX 273 COLBERT, WA 99005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 12100 NORTHEAST 195TH STREET SUITE 200 BOTHELL, WA 98011 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $664 | $0 | $664 | 1.40% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 326 | $94K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $47K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $47K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 117 | $308K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.