| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA - DAVIE | 10368 W. STATE RD 84., SUITE 201 DAVIE, FL 33324 | AVMED | $91K | $0 | $91K | 18.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1330 LADY STREET SUITE 202 COLUMBIA, SC 29201 | GUARDIAN | $5K | $667 | $6K | 5.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 4830 W. KENNEDY BLVD TAMPA, FL 33609 | TRANSAMERICA LIFE INSURANCE CO. | $9K | $0 | $9K | 11.05% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $0 | $7K | $7K | 8.19% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE CO. | $0 | $6K | $6K | 6.81% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET MIAMI, FL 33186 | TRANSAMERICA LIFE INSURANCE CO. | $2K | $0 | $2K | 2.39% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE CO. | $2K | $0 | $2K | 1.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 20.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $972 | $3K | 20.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| EA LEGACY LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $400 | $400 | 3.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $598 | $2K | 19.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| EA LEGACY LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $400 | $400 | 3.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| EA LEGACY LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $400 | $400 | 4.56% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AVMED | 287 | $573K |
| Dental | GUARDIAN | 151 | $105K |
| Vision | GUARDIAN | 151 | $105K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $50K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $36K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
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.