| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | UNKNOWN MOSES LAKE, WA 98837 | DELTA DENTAL OF WASHINGTON | $27K | $0 | $27K | 4.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $9K | $19K | 5.39% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.24% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $320 | $0 | $320 | 0.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 12100 NE 195TH, SUITE 200 BOTHELL, WA 98011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 7.86% |
| MICHAEL D SCHULTZ3 Filed as: MICHAEL T. PETTERSON | 6334 SOMMERSBY COURT NW ROCHESTER, MN 55901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $935 | $0 | $935 | 3.65% |
| GAYLE ANN MANICA DUNBAR3 | 621 SOUTH 30TH AVENUE YALIMA, WA 98902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | $0 | $221 | 0.86% |
| DAVID JOSHUA ABDELAZIZ3 | 238 RIDGE BLUFF CIBOLO, TX 78108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | $0 | $160 | 0.62% |
| KYONG HIU GOINS3 | 7711 27TH AVENUE SW SEATTLE, WA 98126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | $0 | $140 | 0.55% |
| DAVID ROJAS3 | 169 EAGLE RIDGE DRIVE EAST PUYALLUP, WA 98374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | $0 | $112 | 0.44% |
| TRICIA CHARLES AND OTHER AGENTS3 | 1118 WEST LINCOLN AVENUE, SUITE B YAKIMA, WA 98902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | $0 | $89 | 0.35% |
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 | 452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 1,038 | $547K |
| Vision | VISION SERVICE PLAN | 452 | $64K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 494 | $345K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 28 | $26K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 494 | $371K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 494 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,038 | — |
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.