| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 271 W. CANTON AVENUE WINTER PARK, FL 32789 | HEALTH OPTIONS INC | $28K | — | $28K | 5.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 271 W CANTON AVENUE WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 5.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1027 CLEARWATER, FL 337571027 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.73% |
| COOPER SIMS NELSON & MOSLEY INC3 Filed as: COOPER SIMS NELSON & MOSLEY | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 327895552 | UNITEDHEALTHCARE INSURANCE COMPANY | -$6 | — | -$6 | -0.01% |
| COOPER SIMS NELSON & MOSLEY INC3 Filed as: COOPER, SIMMS, NELSON & MOSLEY, INC | 271 W CANTON PO BOX 1480 WINTER PARK, FL 32790 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $474 | — | $474 | 4.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 ORANGE AVE. STE. 750 WINTER PARK, FL 32789 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $192 | — | $192 | 1.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1480 WINTER PARK, FL 32790 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $366 | $3K | 44.92% |
| KAREN PICCININI3 | 425 W. COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $865 | $622 | $1K | 21.59% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN COURT JACKSONVILEE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $69 | $398 | 5.78% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $34 | $96 | 1.39% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 116 | $657K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $51K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 118 | $10K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $51K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 116 | $657K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.