| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 4830 W KENNEDY BLVD STE 850 TAMPA, FL 336092593 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $279K | $304K | 5.47% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVENUE STE 300 ST PETERSBURG, FL 33701 | HARTFORD LIFE AND ACCIDENT | $32K | $2K | $34K | 11.49% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $11K | $3K | $13K | 6.19% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $1K | $378 | $1K | 0.67% |
| OCONNELL FNCL GRP INC3 | 1511 N WEST SHORE BLVD STE 800 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $1K | $126 | $1K | 0.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAIG URQUHART | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | CAPITAL HEALTH PLAN | $4K | $0 | $4K | 2.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 4830 W KENNEDY BLVD STE 850 TAMPA, FL 336092593 | VISION SERVICE PLAN | $8K | $0 | $8K | 10.78% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $3K | $730 | $4K | 5.84% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVENUE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $290 | $104 | $394 | 0.63% |
| OCONNELL FNCL GRP INC3 | 1511 N WEST SHORE BLVD STE 800 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $290 | $35 | $325 | 0.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 4830 W KENNEDY BLVD STE 850 TAMPA, FL 33609 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $339 | $0 | $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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 707 | $5.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 707 | $5.5M |
| Vision | VISION SERVICE PLAN | 276 | $77K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 710 | $298K |
| Short-term disability | NORTHWESTERN MUTUAL | 279 | $62K |
| Long-term disability | NORTHWESTERN MUTUAL | 428 | $213K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 707 | $5.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 710 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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.