| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BOULEVARD SUITE 200 JACKSONVILLE, FL 32256 | BLUE CROSS BLUE SHIELD OF FLORIDA | $263K | — | $263K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | $40K | $7K | $47K | 13.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | FLORIDA COMBINED LIFE | $26K | — | $26K | 9.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 10739 DWD PK BLVD STE 200 JACKSONVILLE, FL 322564830 | VISION SERVICE PLAN | $2K | — | $2K | 4.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 22.36% |
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 | 463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 338 | $6.6M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 348 | $6.8M |
| Vision | VISION SERVICE PLAN | 300 | $46K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 463 | $338K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 463 | $338K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 463 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.