| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 600 CLEVELAND STREET SUITE 600 CLEARWATER, FL 33757 | AETNA LIFE INSURANCE COMPANY | — | $28K | $28K | 2.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 600 CLEVELAND STREET SUITE 600 CLEARWATER, FL 33757 | AETNA LIFE INSURANCE COMPANY | — | $9K | $9K | 0.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 600 CLEVELAND ST STE 600 CLEARWATER, FL 33755 | TRUSTMARK INSURANCE COMPANY | $19K | — | $19K | 13.63% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 4.02% |
| HOWES, INC.3 Filed as: HOWES INC | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 3.71% |
| SCOTT C PEELER3 | 10810 GOODWIN RD BENTON, AR 72019 | TRUSTMARK INSURANCE COMPANY | $108 | — | $108 | 0.08% |
| DAVID D HOWES3 | 2401 WILLOW DROP WAY OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE 2021 OVIEDO, FL 327654508 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | — | $11K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P O BOX 1027 CLEARWATER, FL 337571027 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | — |
| THE SOUTHERN REGION LLC3 | 6151 LAKE OSPREY DR 3RD FLOOR SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORP CR STE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| HOWES, INC.3 Filed as: HOWES INC | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED PPO INS BROKER | Insurance agents and brokers Service code 22 | 600 CLEVELAND ST SUITE 600 CLEARWATER, FL 33757 | $223K |
| HUB INTERNATIONAL TEXAS, INC. PPO INS BROKER | Insurance agents and brokers Service code 22 | 600 CLEVELAND ST SUITE 600 CLEARWATER, FL 33757 | $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 | 1,392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2,754 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,754 | $1.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 2,754 | $1.2M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 2,754 | $1.2M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 2,754 | $1.2M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 2,754 | $1.2M |
| Prescription drug | AETNA HEALTH, INC | 961 | $4.1M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 2,754 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,754 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.