| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 WEST KENNEDY BLVD STE 850 TAMPA, FL 33609 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $181K | $181K | 4.79% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | HARTFORD LIFE AND ACCIDENT | $24K | — | $24K | 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 | $22K | — | $22K | 11.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.08% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $4K | $944 | $5K | 3.00% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVE STE 300 ST. PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $375 | $135 | $510 | 0.33% |
| OCONNELL FNCL GRP INC3 | STE 800 1511 N WEST SHORE BLVD TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $375 | $45 | $420 | 0.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAIG URQUHART | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | CAPITAL HEALTH PLAN | $3K | — | $3K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 336092593 | VISION SERVICE PLAN | $6K | — | $6K | 10.81% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.81% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $1K | $299 | $1K | 12.14% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $119 | $43 | $162 | 1.32% |
| 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 | $119 | $14 | $133 | 1.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 336092593 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $339 | — | $339 | 15.00% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 504 | $3.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 494 | $185K |
| Vision | VISION SERVICE PLAN | 214 | $58K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 326 | $237K |
| Short-term disability | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 200 | $12K |
| Long-term disability | NORTHWESTERN MUTUAL | 323 | $156K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 326 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.