| 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 | $118K | $0 | $118K | 4.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1330 LADY STREET SUITE 202 COLUMBIA, SC 29201 | GUARDIAN | $3K | $3K | $6K | 6.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 4830 W. KENNEDY BLVD TAMPA, FL 33609 | TRANSAMERICA LIFE INSURANCE CO. | $11K | $0 | $11K | 12.74% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $0 | $7K | $7K | 7.66% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE CO. | $0 | $6K | $6K | 6.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $777 | $3K | 19.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $689 | $4K | 22.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $827 | $4K | 24.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $580 | $3K | 19.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $454 | $3K | 24.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 4830 W. KENNEDY BOULEVARD SUITE 850 TAMPA, FL 33609 | PREFERRED LEGAL | $816 | $0 | $816 | 18.05% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AVMED | 317 | $2.5M |
| Dental | GUARDIAN | 163 | $91K |
| Vision | GUARDIAN | 163 | $91K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $66K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $41K |
| Other(8 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE CO. | 169 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.