| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA LTD. | 4830 WEST KENNEDY BLVD. SUITE 850 TAMPA, FL 33609 | HUMANA MEDICAL PLAN, INC. | $41K | $3K | $44K | 5.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W. STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $6K | $25K | 17.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 362 MINCORA AVE CORAL GABLES, FL 33134 | EYEMED VISION CARE | $952 | — | $952 | 10.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | EYEMED VISION CARE | -$4 | — | -$4 | -0.05% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 54 | $837K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $140K |
| Vision | EYEMED VISION CARE | 110 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $140K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $140K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $140K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.