| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N. CAUSEWAY BLVD. SUITE 300 METAIRE, LA 700023531 | HUMANA MEDICAL PLAN INC. | $23K | — | $23K | 3.83% |
| RDA BENEFITS GROUP INC3 | 8385 NW 157TH TER MIAMI LAKES, FL 330166602 | HUMANA MEDICAL PLAN INC. | $4K | — | $4K | 0.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N. CAUSEWAY BLVD. SUITE 300 METAIRE, LA 700023531 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 7.02% |
| RDA BENEFITS GROUP INC3 | 8385 NW 157TH TER MIAMI LAKES, FL 330166602 | HUMANA INSURANCE COMPANY | $777 | — | $777 | 0.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD. SUITE 300 METAIRE, LA 700023531 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 16.55% |
| RDA BENEFITS GROUP INC3 | 8385 NW 157TH TER MIAMI LAKES, FL 330166602 | HUMANA INSURANCE COMPANY | $136 | — | $136 | 1.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SW 37TH AVE MIAMI, FL 331354124 | COMPBENEFITS | $313 | — | $313 | 6.51% |
| RDA BENEFITS GROUP INC3 | 8385 NW 157TH TER MIAMI LAKES, FL 330166602 | COMPBENEFITS | $71 | — | $71 | 1.48% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN INC. | 120 | $592K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 167 | $84K |
| Vision | HUMANA INSURANCE COMPANY | 109 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.