| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 327895552 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $3K | $0 | $3K | 6.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 980413018 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $2K | $0 | $2K | 3.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 2632 S CORBIN CIR GREENACRES, WA 99016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $4K | 10.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.64% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606060000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $509 | $509 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 980413018 | VISION SERVICE PLAN | $759 | $0 | $759 | 3.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 ORANGE AVE STE 750 WINTER PARK, FL 327895552 | VISION SERVICE PLAN | $459 | $0 | $459 | 1.93% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $266 | $0 | $266 | 1.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 2632 S CORBIN CIR GREENACRES, WA 99016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $564 | $762 | $1K | 9.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $774 | $0 | $774 | 5.79% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $201 | $201 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 2632 S CORBIN CIR GREENACRES, WA 99016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $516 | $437 | $953 | 11.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $712 | $0 | $712 | 8.70% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606060000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $123 | $123 | 1.50% |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 93 | $44K |
| Vision | VISION SERVICE PLAN | 254 | $24K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $47K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $8K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.