| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | UNITEDHEALTHCARE INSURANCE COMPANY | $74K | — | $74K | 2.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 975 OAK ST STE 900 EUGENE, OR 97401 | UNITEDHEALTHCARE INSURANCE COMPANY | $73K | — | $73K | 2.50% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE USA INC | 222 SW COLUMBIA ST #1250 PORTLAND, OR 972016650 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $28K | $28K | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 350 SW JEFFERSON STREET, 5TH FLOOR PORTLAND, OR 97201 | RELIASTAR LIFE INSURANCE COMPANY | $79K | — | $79K | 10.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | ATTN EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $76K | — | $76K | 9.85% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SRVCS USA INC | 4300 MARKET POINTE DR STE 600 BLOOMINGTON, MN 554355455 | RELIASTAR LIFE INSURANCE COMPANY | — | $17K | $17K | 2.20% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SRVCS USA INC | PO BOX 203066 DALLAS, TX 753203066 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $29K | $10K | $40K | 5.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FLOOR A CHICAGO, IL 60604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $11K | $1K | $12K | 1.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 600 HIGHWAY 169 S FL 12 SAINT LOUIS PARK, MN 554261205 | KAISER FOUNDATION HEALTH PLAN INC | $18K | — | $18K | 3.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 1.82% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SRVCS USA INC | PO BOX 203066 DALLAS, TX 753203066 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $7K | $7K | 1.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FLOOR CHICAGO, IL 60604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $946 | $946 | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $6K | — | $6K | 1.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERV USA INC | PORTLAND 1300 SW 5TH AVE., #500 PORTLAND, OR 97201 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $6K | — | $6K | 1.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 600 HIGHWAY 169 S FL 12 SAINT LOUIS PARK, MN 554261205 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 2.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 2.03% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SRVCS USA INC | PO BOX 203066 DALLAS, TX 75320 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $6K | $6K | 1.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD, 14TH FLOOR A CHICAGO, IL 60604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $839 | $839 | 0.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 580 N 4TH STREET STE 400 COLUMBUS, OH 43215 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.58% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SRVCS USA INC | PO BOX 203066 DALLAS, TX 753203066 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $152 | $152 | 1.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FLOOR A CHICAGO, IL 60604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $18 | $18 | 0.18% |
No Schedule C service providers reported on this filing.
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 | 4,122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,792 | $5.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $165K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,711 | $911K |
| Short-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,711 | $720K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,711 | $637K |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,711 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,711 | — |
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.
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.