| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC | PO BOX 195579 WINTER SPRINGS, FL 327195579 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $30K | $33K | 3.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $24K | $26K | 2.74% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC | PO BOX 195579 WINTER SPRINGS, FL 32719 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | UNITEDHEALTHCARE INSURANCE COMPANY | $704 | — | $704 | 3.59% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM | PO BOX 195579 WINTER SPRINGS, FL 32719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $664 | — | $664 | 5.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $494 | — | $494 | 4.27% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM | PO BOX 195579 WINTER SPRINGS, FL 32719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $566 | — | $566 | 5.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $429 | — | $429 | 4.31% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM | PO BOX 195579 WINTER SPRINGS, FL 32719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $588 | — | $588 | 5.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $395 | — | $395 | 4.02% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM | PO BOX 195579 WINTER SPRINGS, FL 32719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $524 | — | $524 | 5.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $351 | — | $351 | 4.01% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM | PO BOX 195579 WINTER SPRINGS, FL 32719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $297 | — | $297 | 5.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $278 | — | $278 | 4.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $105 | — | $105 | 5.23% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM | PO BOX 195579 WINTER SPRINGS, FL 32719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $96 | — | $96 | 4.79% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $937K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $937K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $937K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $22K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 55 | $14K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $12K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.