| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | UNITEDHEALTHCARE INSURANCE COMPANY | $197K | — | $197K | 14.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD STE 14A CHICAGO, IL 60604 | STANDARD INSURANCE COMPANY | $109K | — | $109K | 15.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 180 RIVER ROAD 2ND FL SUMMIT, NJ 07901 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 2.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | ATTN. EMP BENEFITS DEPT 55 EAST JACKSON BLVD #14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $166K | — | $166K | 60.47% |
| BENEFITS EXPRESS SERVICES LLC3 Filed as: BENEFITS EXPRESS SERVICES, LLC | 1700 E GOLF RD STE. 1000 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | — | $8K | $8K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD STE 14A CHICAGO, IL 60604 | STANDARD INSURANCE COMPANY | $32K | — | $32K | 17.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 180 RIVER ROAD 2ND FL SUMMIT, NJ 07901 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 55 E JACKSON BLVD CHICAGO, IL 60604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $16K | — | $16K | 9.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD STE 14A CHICAGO, IL 60604 | STANDARD INSURANCE COMPANY | $24K | — | $24K | 17.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 180 RIVER ROAD 2ND FL SUMMIT, NJ 07901 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD STE 14A CHICAGO, IL 60604 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 17.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $350 | — | $350 | 1.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD STE 14A CHICAGO, IL 60604 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 11.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.6M |
| UNITED BEHAVIORAL HEALTH DBA OPTUM EIN 94-2649097 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $58K |
| HUB INTERNATIONAL MIDWEST LIMITED EIN 35-0672425 BROKER | Other commissions Service code 55 | 55 E JACKSON BLVD CHICAGO, IL 60604 | $0 |
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 | 4,210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 34 | $130K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,444 | $1.5M |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,188 | $290K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,027 | $183K |
| Short-term disability | STANDARD INSURANCE COMPANY | 2,386 | $683K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,755 | $136K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,444 | $1.4M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,353 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,027 | — |
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.