| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $287K | — | $287K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 0.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVE, SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $164K | $89K | $254K | 9.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $63K | — | $63K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 1.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 55 EAST JACKSON BLVD #14A RIVERSIDE, CA 925162158 | RELIASTAR LIFE INSURANCE COMPANY | $129K | — | $129K | 22.90% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES, INC | 2103 CITYWEST BLVD STE 200 HOUSTON, TX 77042 | RELIASTAR LIFE INSURANCE COMPANY | — | $23K | $23K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES INC | 6701 CENTER DR W STE 1500 LOS ANGELES, CA 90045 | RELIASTAR LIFE INSURANCE COMPANY | $19K | — | $19K | 3.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42K | $4K | $47K | 11.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $62K | — | $62K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | — | $15K | $15K | 3.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $66 | $66 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $1K | $12K | 11.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $814 | $13K | 16.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $111 | $2K | 16.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $756 | $50 | $806 | 15.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $155 | $15 | $170 | 10.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LYRA CLINICAL ASSOCIATES P.C. EIN 47-5645538 CONTRACT ADMINISTRATOR | Direct payment from the plan; Other services Service code 49 | — | $2.9M |
| TELUS HEALTH (US) LTD EIN 52-1883918 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $112K |
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 | 7,818 | 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) | 7,888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 82 | $483K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,348 | $3.2M |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 5,554 | $836K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 7,818 | $495K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 7,818 | $3.3M |
| Long-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 5,851 | $744K |
| Other(4 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 7,818 | $661K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,818 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.