| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 10086 YAKIMA, WA 98909 | HARTFORD LIFE AND ACCIDENT | $180K | $85K | $265K | 17.30% |
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INS SERVICES LLC | 1804 W LEWIS PO BOX 2528 PASCO, WA 99301 | FOUR EVER LIFE INS CO. | $10K | — | $10K | 4.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | FOUR EVER LIFE INS CO. | $6K | — | $6K | 2.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $40 | $2K | 5.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 12100 NE 195TH ST, STE 200 BOTHELL, WA 98011 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $79 | $2K | 5.51% |
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 | 1,669 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FOUR EVER LIFE INS CO. | 35 | $350K |
| Dental | FOUR EVER LIFE INS CO. | 35 | $206K |
| Vision(2 contracts, 2 carriers) | FOUR EVER LIFE INS CO. | 35 | $350K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,669 | $1.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,669 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,669 | $1.5M |
| Prescription drug(2 contracts, 2 carriers) | FOUR EVER LIFE INS CO. | 35 | $350K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,669 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,669 | — |
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.