| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 12100 NORTHEAST 195TH STREET BOTHELL, WA 98011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 4.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | DELTA DENTAL OF WASHINGTON | $7K | $0 | $7K | 5.00% |
| KATHRYN C. DRAKE3 | PO BOX 39637 LAKEWOOD, WA 98496 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.43% |
| MJ INSURANCE3 Filed as: MARK MORGAN AND VARIOUS AGENTS | 1880 SOUTH DAIRY ASHFORD HOUSTON, TX 77077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $978 | $302 | $1K | 1.48% |
| JODI MOYLAN3 | 19103 MERIDIAN AVENUE EAST PUYALLUP, WA 98375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $56 | $1K | 1.47% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DRIVE SE OLYMPIA, WA 98501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $746 | $201 | $947 | 1.10% |
| JUDY INEZ BUCHOLTZ3 | 12517 217TH AVENUE COURT EAST BONNEY LAKE, WA 98391 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $656 | $1 | $657 | 0.76% |
| WA EMPLOYEE BENEFITS LLC3 | 28313 REDONDO WAY SOUTH SUITE 105 DES MOINES, WA 98198 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $200 | $394 | $594 | 0.69% |
| LOUISA M. BELLOTTE3 | PO BOX 256 WILLOW, AK 99688 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $291 | $1 | $292 | 0.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 12100 NORTHEAST 195TH STREET BOTHELL, WA 98011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $227 | $3K | 16.25% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 245 | $234K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $355K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 86 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $251K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.