| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX X BELLINGHAM, WA 98227 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $41K | $0 | $41K | 4.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $751 | $6K | 4.30% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $242 | $2K | 1.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $954 | $954 | 0.66% |
| ACRIALPS LLC3 | UNKNOWN GRAND RAPIDS, MI 49501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 21.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 17.65% |
| BRIGATA LLC3 | 104 CAPETOWN COURT, UNIT 104 WEAVERVILLE, NC 28787 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $343 | $3K | 6.72% |
| MADISEN LYNN GERZ3 | 3534 GWYNELLE COURT SPARKS, NV 89431 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $719 | $329 | $1K | 2.26% |
| EDWARD ALBERT GUY JR3 | 716 RED FEM ROAD TALLAHASSEE, FL 32308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $922 | $99 | $1K | 2.20% |
| ROGER STUART KENCHEL3 | 2588 EL CAMINO REAL SUITE F188 CARLSBAD, CA 92008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $597 | $158 | $755 | 1.63% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA WARE INC | 11425 PERUGINO DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $590 | $0 | $590 | 1.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | VISION SERVICE PLAN | $801 | $0 | $801 | 7.76% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $52 | $0 | $52 | 0.50% |
| GIS NATIONAL Filed as: GIS NORTHERN CALIFORNIA | 315 MONTGOMERY STREET. SUITE 900 SAN FRANCISCO, CA 94104 | METLIFE LEGAL PLANS | $802 | $0 | $802 | 9.91% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3144 SPOKANE, WA 99220 | METLIFE LEGAL PLANS | $727 | $0 | $727 | 8.98% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN, INC. | PO BOX 9201, BUILDING 1 SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $373 | $373 | 4.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | METLIFE LEGAL PLANS | $246 | $0 | $246 | 3.04% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 145 | $914K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $145K |
| Vision | VISION SERVICE PLAN | 127 | $10K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $192K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 43 | $46K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 145 | $914K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.