| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1027 STE 600 CLEARWATER, FL 33757 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $132K | $132K | 5.00% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 404 ST PETERSBURG, FL 337013600 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 8.74% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 4.91% |
| DAVID HOOD3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $624 | $162 | $786 | 0.73% |
| OCONNELL FNCL GRP INC3 Filed as: OCONNELL FNCL GROUP INC | 1511 N WEST SHORE BLVD STE 500 TAMPA, FL 33607 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $582 | $55 | $637 | 0.59% |
| JOHN R STONER ORGANIZATION INC3 Filed as: JOHN R STONER | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $476 | $112 | $588 | 0.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATI0NAL MIDWEST LTD | 600 CLEVELAND ST STE 600 CLEARWATER, FL 33755 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 12.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N LASALLE ST 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAIG URQUHART | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | CAPITAL HEALTH PLAN | $2K | — | $2K | 2.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1027 CLEARWATER, FL 33757 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 17.23% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 404 ST PETERSBURG, FL 337013600 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.01% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $784 | $182 | $966 | 10.07% |
| DAVID HOOD3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $144 | $35 | $179 | 1.87% |
| OCONNELL FNCL GRP INC3 | STE 500 1511 N WEST SHORE BLVD TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $127 | $12 | $139 | 1.45% |
| JOHN R STONER ORGANIZATION INC3 Filed as: JOHN R STONER | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $87 | $20 | $107 | 1.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 600 CLEVELAND ST STE 600 CLEARWATER, FL 33757 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $536 | — | $536 | 14.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 525.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 600 CLEVELAND ST STE 600 CLEARWATER, FL 33755 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34 | — | $34 | 16.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ASO SERVICE PROVIDER | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Participant communication; Other services; Float revenue; Claims processing Service code 12 | — | $4K |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 172 | $2.6M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 345 | $105K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 3 | $32K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $141K |
| Short-term disability | NORTHWESTERN MUTUAL | 147 | $10K |
| Long-term disability | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 200 | $108K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 213 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.