| 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 | $33K | $0 | $33K | 3.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $47 | $4K | 4.99% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $572 | $0 | $572 | 0.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $481 | $481 | 0.56% |
| ACRIALPS LLC3 | UNKNOWN GRAND RAPIDS, MI 49501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $998 | $4K | 20.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 16.91% |
| CHELSEA LYNNE WARE3 Filed as: CHELSEA L WARE LLC AND OTHER AGENTS | 233 WEST 21ST STREET NEW YORK, NY 10011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $147 | $2K | 7.14% |
| ANTONIA DAVILA3 Filed as: ANTONIA MARIA HOLDEN | 8932 CREEKFORD DRIVE LAKESIDE, CA 92040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $450 | $80 | $530 | 2.42% |
| ROGER STUART KENCHEL3 | 2588 EL CAMINO REAL, SUITE F188 CARLSBAD, CA 92008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $395 | $130 | $525 | 2.39% |
| BRIGATA LLC3 | 104 CAPETOWN COURT, UNIT 104 WEAVERVILLE, NC 28787 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $234 | $105 | $339 | 1.55% |
| GILBERTO JR MARTINEZ JR3 Filed as: GILBERTO MARTINEZ JR. | 338 OAK TRACK LOOP OCALA, FL 34472 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $331 | $0 | $331 | 1.51% |
| GIS NATIONAL3 Filed as: GIS NORTHERN CALIFORNIA | 315 MONTGOMERY STREET, SUITE 900 SAN FRANCISCO, CA 94104 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 11.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3144 SPOKANE, WA 99220 | METLIFE LEGAL PLANS | $961 | $0 | $961 | 10.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN., INC. | PO BOX 9201 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $493 | $493 | 5.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | VISION SERVICE PLAN | $703 | $0 | $703 | 7.95% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $44 | $0 | $44 | 0.50% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 113 | $848K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $85K |
| Vision | VISION SERVICE PLAN | 100 | $9K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $107K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 35 | $22K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 113 | $848K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
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.