| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVE, SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $206K | $47K | $253K | 13.52% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 1.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 32789 | STANDARD INSURANCE COMPANY | $150K | — | $150K | 9.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1065 AVE OF THE AMERICAS NEW YORK, NY 60604 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 1.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | ATTN. EMP BENEFITS DEPT 55 EAST JACKSON BLVD #14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $139K | — | $139K | 40.01% |
| BENEFIT EXPRESS SERVICES LLC3 Filed as: BENEFIT EXPRESS SERVICES, LLC | 1700 E GOLF RD STE. 1000 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | — | $11K | $11K | 3.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 32769 | STANDARD INSURANCE COMPANY | $37K | — | $37K | 13.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 4.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 32789 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 9.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1065 AVE OF THE AMERICA NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 4.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 55 E JACKSON BLVD CHICAGO, IL 60604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LYRA CLINICAL ASSOCIATES P.C. EIN 47-5645538 CONTRACT ADMINISTRATOR | Other services; Direct payment from the plan Service code 49 | — | $2.1M |
| LIFEWORKS (CANADA) LTD. EIN 98-0492614 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $98K |
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 | 3,401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 359 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 70 | $473K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,947 | $2.3M |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 2,329 | $703K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,654 | $266K |
| Short-term disability | STANDARD INSURANCE COMPANY | 4,132 | $1.6M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,770 | $249K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 3,401 | $1.4M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,145 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,654 | — |
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.