| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $218K | $19K | $238K | 16.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD STE 14A CHICAGO, IL 60604 | STANDARD INSURANCE COMPANY | $202K | — | $202K | 17.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | ATTN. EMP BENEFITS DEPT 55 EAST JACKSON BLVD #14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $140K | — | $140K | 50.93% |
| BENEFIT EXPRESS SERVICES LLC3 Filed as: BENEFIT 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 | $40K | — | $40K | 18.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD STE 14A CHICAGO, IL 60604 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 18.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 55 E JACKSON BLVD CHICAGO, IL 60604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $1.7M |
| LYRA CLINICAL ASSOCIATES P.C. EIN 47-5645538 CONTRACT ADMINISTRATOR | Direct payment from the plan; Other services Service code 49 | — | $1.0M |
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 | 4,920 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 73 | $333K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,492 | $1.8M |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,993 | $485K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,477 | $214K |
| Short-term disability | STANDARD INSURANCE COMPANY | 3,841 | $1.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,074 | $165K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 2,976 | $1.1M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,477 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,477 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.