| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1027 CLEARWATER, FL 337571027 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $4K | $25K | 6.39% |
| COOPER SIMS NELSON & MOSLEY INC3 | 1560 ORANGE AVE WINTER PARK, FL 32789 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 16.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FL | 600 CLEVELAND ST STE 600 CLEARWATER, FL 33755 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.29% |
| REBEKAH L FUSSELL3 | 11007 CREIGHTON DR ORLANDO, FL 32817 | AFLAC | $395 | — | $395 | 19.99% |
| ROBIN PONCE3 | 2849 ROXBURY RD WINTER PARK, FL 32789 | AFLAC | $257 | — | $257 | 13.01% |
| COOPER SIMS NELSON & MOSLEY INC3 Filed as: COOPER SIMS NELSON & MOSLEY | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | AFLAC | $169 | — | $169 | 8.55% |
| TERESA A RUCKER3 | 6248 BORDEAUX CIR SANFORD, FL 32771 | AFLAC | $91 | — | $91 | 4.61% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $390K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $390K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $390K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $390K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $83K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $83K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.