| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 3911 CASTLEVALE ROAD, SUITE 201 YAKIMA, WA 98902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.89% |
| MICHAEL D SCHULTZ3 Filed as: MICHAEL T. PETTERSON | 203 NORTH CENTENNIAL STREET MOXEE, WA 98936 | AFLAC | $530 | $0 | $530 | 5.86% |
| LINDA F CRAIG3 Filed as: LINDA F. CRAIG | 1336 THEO WAY ROCK ISLAND, WA 98850 | AFLAC | $352 | $0 | $352 | 3.89% |
| MJ INSURANCE3 Filed as: DAVID MCDONNELL & VARIOUS AGENTS | 7004 WEST PIERCE COURT YAKIMA, WA 98908 | AFLAC | $348 | $0 | $348 | 3.85% |
| SEAN F HARRINGTON3 Filed as: SEAN F. HARRINGTON | 11151 MIERAS ROAD YAKIMA, WA 98901 | AFLAC | $68 | $0 | $68 | 0.75% |
| PAMELA CRAIG3 | 1336 THEO WAY ROCK ISLAND, WA 98850 | AFLAC | $61 | $0 | $61 | 0.67% |
| DAVID JOSHUA ABDELAZIZ3 | 6404 DODGER DRIVE PASCO, WA 99301 | AFLAC | $60 | $0 | $60 | 0.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 415 NORTH 2ND STREET YAKIMA, WA 98901 | AFLAC | $23 | $0 | $23 | 0.25% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $69K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $69K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
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.