| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 12100 NORTHEAST 195TH STREET SUITE 200 BOTHELL, WA 98011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $7K | $18K | 6.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | UNKNOWN UNIVERSITY PLACE, WA 98467 | DELTA DENTAL OF WASHINGTON | $8K | $0 | $8K | 5.00% |
| KATHRYN C. DRAKE3 | PO BOX 39637 LAKEWOOD, WA 98496 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.98% |
| MEGAN ELIZABETH CASTO3 | HOME OFFICE COLUMBIA, SC 29202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $446 | $2K | 2.01% |
| MJ INSURANCE3 Filed as: RICH IN BENEFTIS & VARIOUS AGENTS | 13109 NORTHEAST 123RD STREET KIRKLAND, WA 98034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $313 | $1K | 1.67% |
| JODI MOYLAN3 | 19103 MERIDIAN AVENUE EAST PUYALLUP, WA 98375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $22 | $1K | 1.29% |
| JORDAN TEDESCO3 | 1412 6TH AVENUE NORTH SEATTLE, WA 98109 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $947 | $78 | $1K | 1.27% |
| LISA LOUISE ROBBERSON3 | 13120 102ND LANE NE, SUITE 3 KIRKLAND, WA 98034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $473 | $38 | $511 | 0.63% |
| JUDY INEZ BUCHOLTZ3 | 12517-217TH AVENUE COURT EAST BONNEY LAKE, WA 98391 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $304 | $1 | $305 | 0.38% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 266 | $244K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $379K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 79 | $81K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $298K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.