| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | PREMERA BLUE CROSS | $54K | $3K | $57K | 5.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $3K | $0 | $3K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $98 | $3K | 5.40% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | PO BX 62949 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $41 | $41 | 0.09% |
| SEAN F HARRINGTON3 Filed as: SEAN F. HARRINGTON AND OTHER AGENTS | 11151 MIERAS ROAD YAKIMA, WA 98901 | AFLAC | $544 | $0 | $544 | 4.74% |
| MICHAEL D SCHULTZ3 Filed as: MICHAEL T. PETTERSON | 203 NORTH CENTENNIAL STREET MOXEE, WA 98936 | AFLAC | $136 | $0 | $136 | 1.18% |
| MELISSA PAUL3 | PO BOX 8010 YAKIMA, WA 98908 | AFLAC | $126 | $0 | $126 | 1.10% |
| BRIAN W. BALMES3 | 757 HIGH VALLEY ROAD SELAH, WA 98942 | AFLAC | $125 | $0 | $125 | 1.09% |
| PHILBER E. ORETEGA3 | 15100 SE 38TH STREET, SUITE 763 BELLEVUE, WA 98006 | AFLAC | $118 | $0 | $118 | 1.03% |
| JAIME PEREZ3 | 21 CODY LANE SUNNYSIDE, WA 98944 | AFLAC | $96 | $0 | $96 | 0.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTIONAL NORTHWEST LLC | 415 NORTH 2ND STREET, SUITE A YAKIMA, WA 98901 | AFLAC | $88 | $0 | $88 | 0.77% |
| TOTAL BENEFIT SOLUTIONS3 | PO BOX 10448 YAKIMA, WA 98909 | VISION SERVICE PLAN | $812 | $0 | $812 | 10.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | VISION SERVICE PLAN | $739 | $0 | $739 | 9.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTIONAL NORTHWEST LLC | PO BOX 749083 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $72 | $0 | $72 | 0.89% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 223 | $1.1M |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL OF WASHINGTON, INC. | 117 | $99K |
| Vision | VISION SERVICE PLAN | 85 | $8K |
| Life insurance | AFLAC | 19 | $11K |
| Short-term disability | AFLAC | 19 | $11K |
| Prescription drug | PREMERA BLUE CROSS | 223 | $1.1M |
| Other | AFLAC | 19 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.