| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 4830 WEST KENNEDY BLVD SUITE 850 TAMPA, FL 33609 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | — | $22K | 5.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 4830 WEST KENNEDY BLVD SUITE 850 TAMPA, FL 33609 | HEALTH OPTIONS | $19K | — | $19K | 5.50% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE W STE 1500 COLUMBUS, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 4830 WEST KENNEDY BLVD SUITE 850 TAMPA, FL 33609 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FL | 600 CLEVELAND STREET CLEARWATER, FL 33755 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $319 | $3K | 12.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | WINTER PARK 1560 ORANGE AVENUESUITE 750 WINTER PARK, FL 32789 | ADVANTICA INSURANCE COMPANY | $680 | — | $680 | 9.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | CLEARWATER 600 CLEVELAND ST. STE 600 CLEARWATER, FL 337554151 | ADVANTICA INSURANCE COMPANY | $65 | — | $65 | 0.91% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 52 | $406K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $36K |
| Vision | ADVANTICA INSURANCE COMPANY | 83 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $26K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $26K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 381 | $273K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.