| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDON M CLEARY | HUB INTERNATIONAL NORTHWEST LLC PO BOX 10088 YAKIMA, WA 98909 | PACIFICSOURCE HEALTH PLANS | $37K | — | $37K | 1.68% |
| MARK WOODWORTH Filed as: MARK D FISHER | ADVANCED BENEFITS INC 2448 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | PACIFICSOURCE HEALTH PLANS | $28K | — | $28K | 1.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 155 108TH AVE NE STE 275 BELLEVUE, WA 98004 | DELTA DENTAL OF WASHINGTON | $4K | — | $4K | 1.93% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS INC | 2248 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | DELTA DENTAL OF WASHINGTON | $2K | — | $2K | 1.27% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHWEST LLC | 155 108TH AVE NE STE 275 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.98% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 9.65% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.09% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS INC | 2248 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | WILLAMETTE DENTAL OF WASHINGTON INC | $669 | — | $669 | 1.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 155 108TH AVE NE STE 275 BELLEVUE, WA 98004 | WILLAMETTE DENTAL OF WASHINGTON INC | $494 | — | $494 | 1.42% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS INC | 2248 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 7.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 155 108TH AVE NE STE 275 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.99% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $990 | $990 | 2.93% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $471 | $667 | $1K | 8.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 155 108TH AVE NE STE 275 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $902 | — | $902 | 6.57% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $444 | $444 | 3.24% |
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 | 296 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 202 | $2.2M |
| Dental(3 contracts, 3 carriers) | PACIFICSOURCE HEALTH PLANS | 202 | $2.4M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 296 | $78K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 49 | $34K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 296 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.