| 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 | — | $113K | $113K | 4.00% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 8.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATI0NAL MIDWEST LTD | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 336092593 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N LASALLE ST 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.55% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 5.13% |
| 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 | $697 | $84 | $781 | 0.66% |
| JOHN R STONER ORGANIZATION INC3 Filed as: JOHN R STONER | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $527 | $133 | $660 | 0.56% |
| DAVID HOOD3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $230 | $83 | $313 | 0.26% |
| HOLLY ANN KIER3 | 700 CENTRAL AVENUE SUITE 300 ST PETERSBURG, FL 337013600 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $126 | $45 | $171 | 0.14% |
| 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 | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 336092593 | VISION SERVICE PLAN | $4K | — | $4K | 9.92% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 404 ST PETERSBURG, FL 337013600 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $192 | $2K | 8.75% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 404 ST PETERSBURG, FL 337013600 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $1K | $285 | $1K | 12.57% |
| OCONNELL FNCL GRP INC3 | STE 500 1511 N WEST SHORE BLVD TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $140 | $17 | $157 | 1.51% |
| JOHN R STONER ORGANIZATION INC3 Filed as: JOHN R STONER | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $114 | $29 | $143 | 1.38% |
| DAVID HOOD3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $78 | $28 | $106 | 1.02% |
| HOLLEE ANN KIER3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | NORTHWESTERN MUTUAL | $9 | $3 | $12 | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 336092593 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $268 | — | $268 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ASO SERVICE PROVIDER | Named fiduciary; Other services; Claims processing; Direct payment from the plan; Non-monetary compensation; Participant communication; Float revenue; Contract Administrator Service code 12 | — | $6K |
| CIGNA | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | — | $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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $2.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 386 | $126K |
| Vision | VISION SERVICE PLAN | 164 | $41K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $192K |
| Short-term disability | NORTHWESTERN MUTUAL | 164 | $10K |
| Long-term disability | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 220 | $118K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
No prospect flags tripped on this filing.