| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 4830 W KENNEDY BOULEVARD SUITE 850 TAMPA, FL 336092593 | BLUE CROSS BLUE SHIELD OF FLORIDA | $219K | — | $219K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 1027 CLEARWATER, FL 33757 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $97K | $34K | $130K | 17.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 4830 W KENNEDY BOULEVARD SUITE 850 TAMPA, FL 336092593 | HEALTH OPTIONS, INC. | $8K | — | $8K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 600 CLEVELAND STE 600 CLEARWATER, FL 33755 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL FLORIDA | 4830 W KENNEDY BLVD STE 850 TAMPA, FL 33609 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | — | $3K | 22.93% |
| MARKS ANDRE A4 | 329 OKAMATO ST RALEIGH, NC 27603 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $156 | — | $156 | 1.33% |
| CHARLES S KIMBALL4 | 904 ANDOVER WOODS LN LEXINGTON, KY 40509 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $48 | — | $48 | 0.41% |
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 | 468 | 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) | 468 | 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 | 351 | $4.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $755K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 339 | $50K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $755K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $755K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $755K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 351 | $4.5M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $767K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.