| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41 STREET GAINESVILLE, FL 32606 | HEALTH OPTIONS, INC. | $15K | — | $15K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41 STREET GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 1.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41 STREET GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 1.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41 STREET GAINESVILLE, FL 32606 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | — | $6K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41 STREET GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 9.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41 STREET GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 9.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41 STREET GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 20.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41 STREET GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $577 | — | $577 | 1.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $306 | — | $306 | 1.04% |
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 | 536 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AVMED | 399 | $2.7M |
| Dental | STANDARD INSURANCE COMPANY | 330 | $221K |
| Vision | STANDARD INSURANCE COMPANY | 262 | $30K |
| Life insurance | STANDARD INSURANCE COMPANY | 513 | $104K |
| Short-term disability | STANDARD INSURANCE COMPANY | 387 | $61K |
| Long-term disability | STANDARD INSURANCE COMPANY | 396 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.