| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 6979 SE LAKE ROAD PORTLAND, OR 97267 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $9K | $21K | 6.48% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 3.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | UNKNOWN UNIVERSITY PLACE, WA 98467 | DELTA DENTAL OF WASHINGTON | $10K | $0 | $10K | 5.00% |
| JODI MOYLAN3 | 19103 MERIDIAN EAST PAYALLUP, WA 98375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $120 | $1K | 2.17% |
| KATHRYN C. DRAKE3 Filed as: KATHRYN C DRAKE | PO BOX 39637 LAKEWOOD, WA 98496 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $803 | $0 | $803 | 1.44% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DRIVE SE OLYMPIA, WA 98501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $536 | $104 | $640 | 1.15% |
| DONALD GOTHAM3 Filed as: DONALD TERRY GOTHAM AND OTHER AGENT | 3129 ECLIPSE DRIVE GREEN BAY, WI 54311 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $389 | $46 | $435 | 0.78% |
| JUDY INEZ BUCHOLTZ3 Filed as: JUDY LNEZ BUCHOLTZ | 12517 217TH AVENUE COURT EAST BONNEY, WA 98391 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $207 | $4 | $211 | 0.38% |
| NATHAN HENLEY3 Filed as: NATHAN ROBERT HENLEY | 9603 HIPKINS ROAD SW LAKEWOOD, WA 98498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $140 | $166 | 0.30% |
| MARK CHARLES MORGAN3 | 1880 SOUTH DAIRY ASHFORD ROADE SUITE 53 HOUSTON, TX 77077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 0.15% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 310 | $248K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $383K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 62 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $327K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.