| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 600 CLEVELAND STREET SUITE 600 CLEARWATER, FL 33755 | BLUE CROSS BLUE SHIELD OF FLORIDA | $82K | — | $82K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 1027 CLEARWATER, FL 33757 | MUTUAL OF OMAHA INSURANCE COMPANY | $24K | $6K | $30K | 18.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 600 CLEVELAND STREET SUITE 600 CLEARWATER, FL 33755 | BLUE CROSS BLUES SHIELD HEALTH OPTIONS | $6K | — | $6K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT'L MIDWEST DBA HUB INT FL | 600 CLEVELAND ST STE 600 CLEARWATER, FL 33755 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 9.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 600 CLEVELAND STE 600 CLEARWATER, FL 33755 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 15.29% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL FLORIDA | PO BOX 1027 CLEARWATER, FL 33757 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $414 | — | $414 | 10.34% |
| GO GLOBAL ENTERPRISES LLC4 Filed as: GO GLOBAL ENTERPRISES, LLC | 3880 W HIGHWAY 316 REDDICK, FL 32686 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $146 | — | $146 | 3.65% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 188 | $1.8M |
| Dental | UNION SECURITY INSURANCE COMPANY | 197 | $112K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 395 | $19K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 252 | $161K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 252 | $161K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 252 | $161K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 188 | $1.8M |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 252 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.