| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $41K | $41K | 3.12% |
| WILLIAM JAMES MCPHEE3 | 20332 SW ERIN PLACE ALOHA, OR 97003 | AFLAC | $2K | $68 | $2K | 8.23% |
| MJ INSURANCE3 Filed as: LARRY A. MORRIS AND VARIOUS AGENTS | 259 SOUTH SEQUOIA PARKWAY SUITE K093 CANBY, OR 97013 | AFLAC | $1K | $73 | $1K | 4.64% |
| VALORIE R. SMITH3 | 5017 WEST CLINTON STREET BOISE, ID 83706 | AFLAC | $368 | $0 | $368 | 1.48% |
| BONNIE LOUESE MCCREERY3 | 524 LAUREL STREET LAKE OSWEGO, OR 97034 | AFLAC | $359 | $0 | $359 | 1.45% |
| BRIAN MORRIS3 | 4049 AZALEA AVENUE SE ALBANY, OR 97322 | AFLAC | $256 | $0 | $256 | 1.03% |
| BRUCE W. FORD3 | PO BOX 5734 KENT, WA 98064 | AFLAC | $192 | $19 | $211 | 0.85% |
| L AND T ENTERPRISES LLC3 | 259 SOUTH SEQUOIA PARKWAY SUITE K093 CANBY, OR 97013 | AFLAC | $118 | $2 | $120 | 0.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | 6979 SE LAKE ROAD PORTLAND, OR 97267 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON, SUITE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $0 | $22 | $22 | 0.23% |
| EDWIN J TEDERS3 Filed as: EDWIN J. TEDERS | 17616 NE 15TH PLACE BELLEVUE, WA 98008 | AFLAC | $98 | $0 | $98 | 6.94% |
| BARRY MCPHERSON INC3 Filed as: BARRY MCPHERSON INC. | 2211 MICHELSON DRIVE, SUITE 1150 IRVINE, CA 92612 | AFLAC | $17 | $0 | $17 | 1.20% |
| PAUL B ROBEDEAU3 Filed as: PAUL B. ROBEDEAU | 9523 BAY COURT CARMEL, CA 93923 | AFLAC | $4 | $0 | $4 | 0.28% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT W. BLACKSHEAR | 3453 CATHRYN DRIVE COLUMBUS, GA 31906 | AFLAC | $3 | $0 | $3 | 0.21% |
| AMANDA M GRIFFITH3 Filed as: AMANDA M. GRIFFITH | 11400 SE 8TH STREET, SUITE 375 BELLEVUE, WA 98004 | AFLAC | $2 | $0 | $2 | 0.14% |
| MICHAEL C WALKER3 Filed as: MICHAEL A. STACHOWIAK | 321 NORTH CLARK STREET, SUITE 625 CHICAGO, IL 60654 | AFLAC | $2 | $0 | $2 | 0.14% |
| MJ INSURANCE3 Filed as: JOSEPH C. PRICE AND VARIOUS AGENTS | 4 HILTON COURT COLUMBUS, GA 31906 | AFLAC | $1 | $0 | $1 | 0.07% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $1.3M |
| Vision | AFLAC | 38 | $25K |
| Life insurance | AFLAC | 38 | $25K |
| Short-term disability | AFLAC | 38 | $25K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 277 | $10K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $1.3M |
| Other(2 contracts) | AFLAC | 38 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.