| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COOPER SIMS NELSON & MOSLEY INC3 Filed as: COOPER SIMMS NELSON & MOSLEY | 271 W CANTON AVE WINTER PARK, FL 327893188 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $2K | $12K | 2.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1027 CLEARWATER, FL 337571027 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 2.84% |
| COOPER SIMS NELSON & MOSLEY INC3 | PO BOX 1480 WINTER PARK, FL 32790 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $525 | $12K | 14.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FL | 600 CLEVELAND ST STE 600 CLEARWATER, FL 33755 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $73 | $73 | 0.09% |
| COOPER SIMS NELSON & MOSLEY INC3 | PO BOX 1480 WINTER PARK, FL 32790 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $182 | $3K | 10.75% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $402K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 35 | $24K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $402K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $82K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $82K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $82K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.