| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MDW INSURANCE GROUP INC.3 | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | AETNA HEALTH, INC. | $22K | — | $22K | 4.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SW 37TH AVE SUITE 500 MIAMI, FL 331354124 | COMPBENEFITS | $3K | — | $3K | 7.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 600 CLEVELAND ST SUITE 600 CLEARWATER, FL 337554151 | COMPBENEFITS | $256 | — | $256 | 0.70% |
| EMPLOYERS BENEFIT PLANNING GROUP3 Filed as: EMPLOYERS BENEFIT PLANNING GROUP 1 | 14331 COMMERCE WAY MIAMI LAKES, FL 330161502 | COMPBENEFITS | $239 | — | $239 | 0.65% |
| SEE ATTACHED3 | P.O. BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $964 | $4K | 38.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8181 WEST BROWARD BOULEVARD SUITE 380 PLANTATION, FL 333242033 | HUMANA INSURANCE COMPANY | $402 | — | $402 | 10.01% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPBENEFITS | 104 | $37K |
| Vision | HUMANA INSURANCE COMPANY | 46 | $4K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 26 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.