| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $137K | $141K | 4.13% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | HARTFORD LIFE AND ACCIDENT | $22K | — | $22K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATI0NAL MIDWEST LTD | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 336092593 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 12.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N LASALLE ST 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.94% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $6K | $1K | $7K | 5.10% |
| OCONNELL FNCL GRP INC3 | STE 800 1511 N WEST SHORE BLVD TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $562 | $67 | $629 | 0.46% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVE STE 300 ST. PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $362 | $130 | $492 | 0.36% |
| HOLLEE ANN KIER3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | NORTHWESTERN MUTUAL | $200 | $72 | $272 | 0.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAIG URQUHART | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | CAPITAL HEALTH PLAN | $3K | — | $3K | 2.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 336092593 | VISION SERVICE PLAN | $5K | — | $5K | 9.92% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.25% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $1K | $277 | $1K | 13.60% |
| OCONNELL FNCL GRP INC3 Filed as: OCONNELL FNCL GROUP INC | 1511 N WEST SHORE BLVD STE 800 TAMPA, FL 33607 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $110 | $13 | $123 | 1.21% |
| HOLLY ANN KIER3 | 700 CENTRAL AVENUE SUITE 300 ST PETERSBURG, FL 337013600 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $58 | $21 | $79 | 0.78% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $52 | $19 | $71 | 0.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 336092593 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $626 | — | $626 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ASO SERVICE PROVIDER | Float revenue; Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $6K |
| CIGNA | Other services; Float revenue; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan 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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $3.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 449 | $144K |
| Vision | VISION SERVICE PLAN | 194 | $54K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 267 | $225K |
| Short-term disability | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 162 | $10K |
| Long-term disability | NORTHWESTERN MUTUAL | 265 | $138K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 267 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.