| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 600 CLEVELAND ST STE 600 CLEARWATER, FL 33755 | HEALTH OPTIONS | $18K | — | $18K | 4.22% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY, LLC. | 300 W. PLATT ST TAMPA, FL 33606 | HEALTH OPTIONS | $6K | — | $6K | 1.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 600 CLEVELAND ST STE 600 CLEARWATER, FL 33755 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 4.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FL | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 336092593 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $220 | $4K | 10.12% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY, LLC. | 300 W. PLATT ST STE 200 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $767 | $49 | $816 | 2.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL - FL | 4830 KENNEDY BOULEVARD SUITE 850 TAMPA, FL 336092593 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $220 | $4K | 10.12% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 W. PLATT ST STE 200 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $767 | $49 | $816 | 2.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 4830 WEST KENNEDY BLVD SUITE 850 TAMPA, FL 33609 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 7.55% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON COMPANY LLC | PO BOX 373 TAMPA, FL 336010373 | UNITEDHEALTHCARE INSURANCE COMPANY | $841 | — | $841 | 2.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 336092593 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $489 | — | $489 | 8.15% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 WEST PLATT STREET TAMPA, FL 33606 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $111 | — | $111 | 1.85% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 42 | $385K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 110 | $35K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 74 | $6K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $72K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $72K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $72K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.