| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 WEST KENNEDY BLVD STE 850 TAMPA, FL 336092593 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $233K | $233K | 5.00% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 10.00% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $8K | $2K | $9K | 5.70% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | NORTHWESTERN MUTUAL | $754 | $271 | $1K | 0.62% |
| OCONNELL FNCL GRP INC3 Filed as: OCONNELL FNCL GROUP INC | 1511 N WEST SHORE BLVD STE 800 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $754 | $90 | $844 | 0.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAIG URQUHART | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | CAPITAL HEALTH PLAN | $3K | — | $3K | 2.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 336092593 | VISION SERVICE PLAN | $6K | — | $6K | 9.09% |
| THE STONER ORGANIZATION3 Filed as: THE STONER ORGANZATION | STE 300 700 CENTRAL AVE ST PETERSBURG, FL 33701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 16.29% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $628 | $158 | $786 | 5.62% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVE STE 300 ST. PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $63 | $23 | $86 | 0.61% |
| OCONNELL FNCL GRP INC3 | 1511 N WEST SHORE BLVD STE 800 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $63 | $8 | $71 | 0.51% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $96 | — | $96 | 23.53% |
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 | 386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 585 | $4.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 585 | $4.7M |
| Vision | VISION SERVICE PLAN | 254 | $67K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 757 | $264K |
| Short-term disability | NORTHWESTERN MUTUAL | 226 | $14K |
| Long-term disability | NORTHWESTERN MUTUAL | 338 | $165K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 585 | $4.8M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 757 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 757 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.