| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW MOSES LAKE | PO BOX 2158 RIVERSIDE, CA 925162158 | LIFEWISE ASSURANCE COMPANY | $44K | $0 | $44K | 10.00% |
| ARGUS INSURANCE INC - MOSES LAKE3 | PO BOX 2945 YAKIMA, WA 98907 | LIFEWISE ASSURANCE COMPANY | $0 | $5K | $5K | 1.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW - ARGUS | PO BOX 2945 YAKIMA, WA 98907 | DELTA DENTAL | $17K | $0 | $17K | 4.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW | PO BOX 2158 RIVERSIDE, CA 92516 | PREMERA BLUE CROSS | $33K | $2K | $35K | 15.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW | SUITE 3018 BOTHELL, WA 98041 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $793 | $9K | 6.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST-EMPE BENE | 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW - ARGUS | PO BOX 749083 LOS ANGELES, CA 900749083 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW | SUITE 3018 BOTHELL, WA 98041 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $644 | $0 | $644 | 1.97% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 287 | $223K |
| Dental | DELTA DENTAL | 290 | $371K |
| Vision | VISION SERVICE PLAN | 291 | $45K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $139K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $172K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $139K |
| Prescription drug | PREMERA BLUE CROSS | 287 | $223K |
| Stop-loss / reinsurancereinsurance | LIFEWISE ASSURANCE COMPANY | 296 | $443K |
| Other | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | 111 | $33K |
| 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."
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.