| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 600 CLEVELAND STREET SUITE 600 CLEARWATER, FL 33755 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 11.34% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 3.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 1027 CLEARWATER, FL 33757 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 4.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 362 MINORCA AVENUE MIAMI, FL 33134 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.71% |
| LOCKTON COMPANIES, LLC3 | 649 5TH AVENUE SOUTH SUITE 204 NAPLES, FL 34102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.62% |
| MJ INSURANCE3 Filed as: CHRISTOPHER D. AND VARIOUS AGENTS | 4941 POMPANO DRIVE NEW PORT RICHEY, FL 34652 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $1K | $4K | 4.28% |
| TRILOGY BENEFITS CONSULTING LLC3 Filed as: TRILOGY BENEFITS CONSULTING | 5908 HAMMOCK WOODS DR ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $263 | $4K | 3.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | UNKNOWN TAMPA, FL 33614 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $760 | $3K | 2.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE MIAMI, FL 33131 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $0 | $2K | 1.99% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS | 525 CAPRI BOULEVARD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | $564 | $2K | 1.69% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 5911 85TH TER NORTH PINELLAS PARK, FL 33781 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $57 | $2K | 1.54% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL NATHAN AQUILINO | 16228 PEBBLEBORRK DRIVE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | $165 | $1K | 1.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 600 CLEVELAND STREET CLEARWATER, FL 33755 | EYEMED VISION CARE | $2K | $0 | $2K | 8.19% |
| MARCI REDMOND3 | 680 MACDONOUGH STREET BROOKLYN, NY 11233 | THE PAUL REVERE LIFE INSURANCE COMPANY | $279 | $0 | $279 | 3.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE MIAMI, FL 33131 | THE PAUL REVERE LIFE INSURANCE COMPANY | $133 | $0 | $133 | 1.64% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS | 525 CAPRI BOULEVARD TREASURE ISLAND, FL 33706 | THE PAUL REVERE LIFE INSURANCE COMPANY | $60 | $0 | $60 | 0.74% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORP | 5911 85TH TERRACE N PINELLAS PARK, FL 33781 | THE PAUL REVERE LIFE INSURANCE COMPANY | $45 | $0 | $45 | 0.55% |
| LOUIS ENRIQUE VARELA3 | 135 OCEAN PARKWAY BROOKLYN, NY 11218 | THE PAUL REVERE LIFE INSURANCE COMPANY | $42 | $0 | $42 | 0.52% |
| YOLANDA TRISTANCHO-HELWIG3 Filed as: YOLANDA HELWIG AND OTHER AGENTS | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | $1 | $25 | 0.31% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 600 CLEVELAND STREET SUITE 600 CLEARWATER, FL 33755 | FEDERAL INSURANCE COMPANY | $405 | $0 | $405 | 15.00% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $116K |
| Vision | EYEMED VISION CARE | 288 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $131K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $131K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $131K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.