| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 480 W. KENNEDY BLVD. SUITE 850 TAMPA, FL 33609 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 4.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 1027 CLEARWATER, FL 33757 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 2.73% |
| KEITH A. JAMES3 Filed as: KEITH ALLEN JAMES | 6750 POPLAR AVENUE SUITE 208 MEMPHIS, TN 38138 | UNITEDHEALTHCARE INSURANCE COMPANY | $498 | $0 | $498 | 0.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 N. ORANGE AVE. WINTER PARK, FL 32789 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $165 | $2K | 8.05% |
| KAREN PICCININI3 | 425 W. COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $261 | $2K | 7.95% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN COURT JACKSONVILEE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $65 | $409 | 1.88% |
| HEATHER WOMBLE LLC3 | 2409 PIRATE COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $30 | $50 | 0.23% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 Filed as: NORTH FLORIDA BROKER SOLUTIONS, LLC | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $6 | $19 | 0.09% |
| CHERYL BELLHOUSE3 | 820 BURLAND CIR. WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $1 | $15 | 0.07% |
| AGGRESSIVE NETWORKER LLC3 | 1614 JESSAMINE AVE. ORLANDO, FL 32806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 ORANGE AVE. STE. 750 WINTER PARK, FL 32789 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $882 | $0 | $882 | 7.44% |
| KEITH A. JAMES3 | 6750 POPLAR AVE. SUITE 208 MEMPHIS, TN 38138 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $145 | $0 | $145 | 1.22% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 162 | $65K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 128 | $12K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 162 | $65K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 162 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.