| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MDW INSURANCE GROUP INC.3 | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | AETNA HEALTH, INC. | $37K | — | $37K | 4.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD 14A CHICAGO, IL 60604 | AETNA HEALTH, INC. | $3K | — | $3K | 0.43% |
| MDW INSURANCE GROUP INC.3 | 777 SW 37TH AVE #500 MIAMI, FL 33135 | AETNA HEALTH, INC. | $40 | — | $40 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SW 37TH AVE SUITE 500 MIAMI, FL 331354124 | COMPBENEFITS | $5K | — | $5K | 7.06% |
| EMPLOYERS BENEFIT PLANNING GROUP3 Filed as: EMPLOYERS BENEFIT PLANNING GROUP IN | 14331 COMMERCE WAY MIAMI LAKES, FL 330161502 | COMPBENEFITS | $941 | — | $941 | 1.22% |
| SEE ATTACHED3 | P.O. BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $10K | 37.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8181 WEST BROWARD BLVD SUITE 380 PLANTATION, FL 333242033 | HUMANA INSURANCE COMPANY | $832 | — | $832 | 10.00% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPBENEFITS | 214 | $77K |
| Vision | HUMANA INSURANCE COMPANY | 86 | $8K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 50 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.