| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1027 CLEARWATER, FL 337554151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | $11K | $48K | 16.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 600 CLEVELAND ST STE 600 CLEARWATER, FL 337554151 | DELTA DENTAL INSURANCE COMPANY | $23K | — | $23K | 8.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 600 CLEVELAND ST STE 600 CLEARWATER, FL 337554151 | HM LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $7K | $14K | 29.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INTERNATIONAL FLORIDA CLEARWATER, FL 33757 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $879 | $10K | 20.94% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 4921 PENNSBURY DRIVE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $562 | $2K | 4.18% |
| PAUL AQUILINO3 | 16228 PEBBLEBROOK DRIVE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | $61 | $310 | 0.67% |
| CHRISTOPHER A DANIELS3 | 4941 POMPANO DR NEW PORT RICHEY, FL 34652 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $181 | $198 | 0.43% |
| JARRET THOMAS HONAHAN3 | 7 HARBOR OAKS CIRCLE SAFETY HARBOR, FL 34695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $10 | $28 | 0.06% |
| SCHMIDT BENEFIT GROUP INC3 | 512 LYONS BAY ROAD NOKOMIS, FL 34275 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 600 CLEVELAND ST STE 600 CLEARWATER, FL 337554151 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADM | Non-monetary compensation; Claims processing; Direct payment from the plan; Contract Administrator; Other services; Named fiduciary; Participant communication; Float revenue Service code 12 | — | $303K |
| HUB INTERNATIONAL MIDWEST BROKER | Insurance agents and brokers Service code 22 | PO BOX 1027 CLEARWATER, FL 33757 | $62K |
| CIGNA | Participant communication; Float revenue; Named fiduciary; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $0 |
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 | 701 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 735 | $314K |
| Vision | HM LIFE INSURANCE COMPANY | 824 | $65K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 702 | $297K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 702 | $297K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 702 | $297K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANIES | 875 | $370K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 702 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 875 | — |
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.