| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL YAKIMA | UNKNOWN MOSES LAKE, WA 98837 | DELTA DENTAL OF WASHINGTON | $26K | $0 | $26K | 4.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW LLC | UNKNOWN MOSES LAKE, WA 98837 | DELTA DENTAL OF WASHINGTON | $57 | $0 | $57 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | SUITE 3018 BOTHELL, WA 98041 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 4.83% |
| GAIL BERG3 Filed as: GAIL J. BERG | 4190 SHORECREST DRIVE NE MOSES LAKE, WA 98837 | AFLAC | $3K | $653 | $4K | 5.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATONAL NORTHWEST LLC | 415 NORTH 2ND STREET SUITE A YAKIMA, WA 98901 | AFLAC | $2K | $0 | $2K | 2.86% |
| SANDRA M LOHNES3 Filed as: SANDRA M. LOHNES | PO BOX 678 EASTON, WA 98925 | AFLAC | $2K | $114 | $2K | 2.62% |
| LISA M HALL3 Filed as: LISA M. HALL | 686 WEST MOGUL LOOP, SUITE 102 HAYDEN, ID 83835 | AFLAC | $846 | $133 | $979 | 1.41% |
| MJ INSURANCE3 Filed as: DARAN L. WYCKOFF AND VARIOUS AGENTS | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $772 | $0 | $772 | 1.11% |
| SANDRA J NOE3 Filed as: SANDRA J. NOE | 2311 WEST 16TH AVENUE, SUITE 210 SPOKANE, WA 99224 | AFLAC | $371 | $0 | $371 | 0.54% |
| AARON CURTIS OLSON3 | 21900 EAST COUNTRY VISTA DRIVE SUITE U107 LIBERTY LAKE, WA 99019 | AFLAC | $178 | $10 | $188 | 0.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.36% |
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 | 428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 613 | $522K |
| Vision | VISION SERVICE PLAN | 418 | $62K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $340K |
| Short-term disability | AFLAC | 57 | $69K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $340K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.