| 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 | $271K | — | $271K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | $46K | $11K | $57K | 14.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL JACKSONVILLE FL | — | ARMADACARE | $8K | — | $8K | 2.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | FLORIDA COMBINED LIFE | $31K | — | $31K | 10.76% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $2K | — | $2K | 0.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 10739 DWD PK BLVD STE 200 JACKSONVILLE, FL 322564830 | VISION SERVICE PLAN | $2K | — | $2K | 3.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S. WACKER DR. STE 300 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 26.71% |
| PINNACLE INS & FINANCIAL SERVICES3 | 12724 GRAN BAY PARKWAY W STE 150 JACKSONVILLE, FL 32258 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.90% |
| ONE SOURCE BROKERAGE, INC.3 Filed as: ONE SOURCE BROKERAGE INC. | 2170 CLEARBROOK RD. STE 205 HOOVER, AL 35226 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $110 | — | $110 | 19.93% |
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 | 484 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 355 | $6.8M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 366 | $7.1M |
| Vision | VISION SERVICE PLAN | 317 | $51K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 484 | $392K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 484 | $432K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 484 | $723K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.