| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3018 BOTHELL, WA 98041 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 12100 NORTHEAST 195TH STREET SUITE 200 BOTHELL, WA 98011 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.37% |
| GERALD INGRAHAM3 | PO BOX 133 MOXEE, WA 98936 | AFLAC | $458 | $145 | $603 | 9.69% |
| LORI BALMES3 | 757 HIGH VALLEY ROAD SELAH, WA 98942 | AFLAC | $95 | $0 | $95 | 1.53% |
| MJ INSURANCE3 Filed as: TERRY ALLEN AND VARIOUS AGENTS | 20930 EAST HAPPY TRAILS LANE OTIS ORCHARDS, WA 99027 | AFLAC | $59 | $34 | $93 | 1.49% |
| TRICIA CHARLES3 | 1118 WEST LINCOLN AVENUE SUITE B YAKIMA, WA 98902 | AFLAC | $46 | $34 | $80 | 1.29% |
| SEAN F HARRINGTON3 Filed as: SEAN HARRINGTON | 11151 MIERAS ROAD YAKIMA, WA 98901 | AFLAC | $45 | $0 | $45 | 0.72% |
| MICHAEL PETTERSON3 | 203 NORTH CENTENNIAL STREET MOXEE, WA 98936 | AFLAC | $41 | $0 | $41 | 0.66% |
| MICHAEL A MAYER3 Filed as: MICHAEL MAYER | 4406 CAMPOLINA LANE PASCO, WA 99301 | AFLAC | $40 | $0 | $40 | 0.64% |
| GERALD INGRAHAM3 | PO BOX 133 MOXEE, WA 98936 | AFLAC | $111 | $0 | $111 | 14.40% |
| TRICIA CHARLES3 | 1118 WEST LINCOLN AVENUE SUITE B YAKIMA, WA 98902 | AFLAC | $23 | $0 | $23 | 2.98% |
| LORI BALMES3 | 757 HIGH VALLEY ROAD SELAH, WA 98942 | AFLAC | $18 | $0 | $18 | 2.33% |
| DAVID JOSHUA ABDELAZIZ3 Filed as: DAVID ABDELAZIZ | 6404 DODGER DRIVE PASCO, WA 99301 | AFLAC | $14 | $0 | $14 | 1.82% |
| SEAN F HARRINGTON3 Filed as: SEAN HARRINGTON | 11151 MIERAS ROAD YAKIMA, WA 98901 | AFLAC | $9 | $0 | $9 | 1.17% |
| MJ INSURANCE3 Filed as: CLIFF BARROWS AND VARIOUS AGENTS | 5716 SOUTH FERRALL STREET SPOKANE, WA 99223 | AFLAC | $3 | $0 | $3 | 0.39% |
| DIXIE D SIMON3 Filed as: DIXIE SIMON | 509 NORTH SHAMROCK ROAD SPOKANE VALLEY, WA 99037 | AFLAC | $2 | $0 | $2 | 0.26% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $22K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.