| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MDW INSURANCE GROUP INC.3 | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | AETNA HEALTH, INC. | $34K | — | $34K | 4.78% |
| EMPLOYERS BENEFIT PLANNING GROUP3 Filed as: EMPLOYERS BENEFIT PLANNING GROUP IN | 14331 COMMERCE WAY MIAMI LAKES, FL 330161502 | COMPBENEFITS | $5K | — | $5K | 8.11% |
| MDW INSURANCE GROUP INC.3 | 362 MINORCA AVENUE CORAL GABLES, FL 331344304 | COMPBENEFITS | $226 | — | $226 | 0.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8181 WEST BROWARD BLVD SUITE 380 PLANTATION, FL 333242033 | COMPBENEFITS | $50 | — | $50 | 0.08% |
| MDW INSURANCE GROUP INC.3 | 362 MINORCA AVENUE CORAL GABLES, FL 331344304 | HUMANA INSURANCE COMPANY | $536 | — | $536 | 7.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8181 WEST BROWARD BLVD SUITE 380 PLANTATION, FL 333242033 | HUMANA INSURANCE COMPANY | $157 | — | $157 | 2.27% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPBENEFITS | 182 | $66K |
| Vision | HUMANA INSURANCE COMPANY | 71 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.