| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | TRUSS, A DIVISION OF HUB 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $197K | — | $197K | 9.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 1.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVE, SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $197K | $57K | $254K | 14.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | TRUSS, A DIVISION OF HUB 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $41K | — | $41K | 2.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1065 AVE OF THE AMERICA NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | ATTN. EMP BENEFITS DEPT 55 EAST JACKSON BLVD #14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $126K | — | $126K | 32.47% |
| 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 | 2.15% |
| WEX HEALTH, INC.3 | 82 HOPMEADOW ST STE 220 WEATOGUE, CT 060899694 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 0.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | TRUSS, A DIVISION OF HUB 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $44K | — | $44K | 14.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 3.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BOULEVARD CHICAGO, IL 60604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LYRA CLINICAL ASSOCIATES P.C. EIN 47-5645538 CONTRACT ADMINISTRATOR | Direct payment from the plan; Other services Service code 49 | — | $2.1M |
| LIFEWORKS (CANADA) LTD. EIN 98-0492614 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $105K |
| RXBENEFITS, INC. EIN 63-1157085 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $24K |
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 | 3,637 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 832 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 67 | $393K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,276 | $2.2M |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 2,615 | $675K |
| Life insurance | STANDARD INSURANCE COMPANY | 5,563 | $300K |
| Short-term disability | STANDARD INSURANCE COMPANY | 5,073 | $2.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,267 | $1.5M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 3,673 | $1.6M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 559 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,563 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.