| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 3018 BOTHELL, WA 98041 | AETNA LIFE INSURANCE COMPANY | $42K | $2K | $44K | 2.86% |
| WHITFIELDS UNITED INSURANCE AGENCIE3 Filed as: WHITFIELDS UNITED INS. AGENCIES INC | 3425 BROADWAY EVERETT, WA 98201 | AETNA LIFE INSURANCE COMPANY | $31K | — | $31K | 2.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 3018 BOTHELL, WA 98041 | DELTA DENTAL OF WASHINGTON | $7K | — | $7K | 5.15% |
| WHITFIELDS UNITED INSURANCE AGENCIE3 Filed as: WHITFIELDS UNITED INS. AGENCIES INC | 3425 BROADWAY EVERETT, WA 98201 | DELTA DENTAL OF WASHINGTON | $5K | — | $5K | 4.06% |
| DEBORAH R. WALLACE3 Filed as: DEBORAH WALLACE | 8040 161ST AVENUE NE, SUITE 349 REDMOND, WA 98052 | AFLAC | $2K | $14 | $2K | 7.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 3018 BOTHELL, WA 98041 | AFLAC | $634 | — | $634 | 2.78% |
| MJ INSURANCE3 Filed as: TINA PETESCH AND VARIOUS AGENTS | 10728 177TH COURT NE REDMOND, WA 98041 | AFLAC | $539 | $22 | $561 | 2.46% |
| SANDI LOHNES3 | PO BOX 678 EASTON, WA 98925 | AFLAC | $285 | $3 | $288 | 1.26% |
| MICHAEL BRUNN3 Filed as: MICHAEL E. BRUNN | 19031 33RD AVENUE WEST, SUITE 207 LYNNWOOD, WA 98036 | AFLAC | $229 | $3 | $232 | 1.02% |
| BRAD FISHER3 | 918 2ND AVENUE, M/S W214 SEATTLE, WA 98174 | AFLAC | $224 | — | $224 | 0.98% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOHN HANNANT | 14830 NE 167TH STREET WOODINVILLE, WA 98072 | AFLAC | $214 | $6 | $220 | 0.97% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 320 | $1.5M |
| Dental | DELTA DENTAL OF WASHINGTON | 226 | $132K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 320 | $1.5M |
| Other | AFLAC | 29 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.