| 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 | $6K | $36K | $42K | 3.28% |
| WILLIAM JAMES MCPHEE3 | 20332 SW ERIN PLACE ALOHA, OR 97003 | AFLAC | $1K | $99 | $1K | 5.22% |
| MJ INSURANCE3 Filed as: BRUCE W. FORD AND VARIOUS AGENTS | PO BOX 5734 KENT, WA 97527 | AFLAC | $1K | $31 | $1K | 4.60% |
| CRYSTAL ANN MCCARTHY3 | 550 SE 2ND STREET GRESHAM, OR 97080 | AFLAC | $695 | $0 | $695 | 2.73% |
| VALORIE R. SMITH3 | 5017 WEST CLINTON STREET BOISE, ID 83706 | AFLAC | $346 | $64 | $410 | 1.61% |
| BONNIE LOUESE MCCREERY3 | 524 LAUREL STREET LAKE OSWEGO, OR 97034 | AFLAC | $320 | $0 | $320 | 1.26% |
| BRIAN MORRIS3 | 4049 AZALEA AVENUE SE ALBANY, OR 97322 | AFLAC | $202 | $17 | $219 | 0.86% |
| L AND T ENTERPRISES LLC3 | 2769 SW ELMER NELSON LANE GRANTS PASS, OR 97527 | AFLAC | $196 | $0 | $196 | 0.77% |
| EDWIN J TEDERS3 Filed as: EDWIN J. TEDERS | 17616 NE 15TH PLACE BELLEVUE, WA 98008 | AFLAC | $11 | $0 | $11 | 7.33% |
| BARRY MCPHERSON INC3 Filed as: BARRY MCPHERSON INC. | 2211 MICHELSON DRIVE, SUITE 1150 IRVINE, CA 92612 | AFLAC | $2 | $0 | $2 | 1.33% |
| PAUL B ROBEDEAU3 Filed as: PAUL B. ROBEDEAU | 9523 BAY COURT CARMEL, CA 92612 | AFLAC | $1 | $0 | $1 | 0.67% |
| SCOTT W BLACKSHEAR AND OTHER AGENTS3 | 3453 CATHRYN DRIVE COLUMBUS, GA 31906 | AFLAC | $1 | $0 | $1 | 0.67% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 151 | $1.3M |
| Vision | AFLAC | 36 | $25K |
| Life insurance | AFLAC | 36 | $25K |
| Short-term disability | AFLAC | 36 | $25K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 151 | $1.3M |
| Other(2 contracts) | AFLAC | 36 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
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.