| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 WEST KENNEDY BLVD STE 850 TAMPA, FL 33609 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $44K | $44K | 3.22% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY W BLDG 16 STE 300 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$9K | -$9K | -0.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $10K | $30K | 14.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 19.88% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED5 | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.79% |
| ENROLLMENT ALLIANCE LLC3 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 20.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.82% |
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 | 1,111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $1.4M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 296 | $202K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $32K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 897 | $130K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 863 | $46K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $1.4M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 897 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 897 | — |
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.
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.