| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXCALIBUR FINANCIAL GROUP3 | 4830 W KENNEDY BLVD UNIT 550 TAMPA, FL 33609 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $107K | $107K | 3.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 32789 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $70K | $70K | 2.53% |
| WILLIAM MANNIX3 Filed as: WILLIAM J MANNIX | 4830 W KENNEDY BLVD STE 550 TAMPA, FL 33609 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 5.00% |
| ROBERT FABRIZIO3 | 4830 W KENNEDY BLVD STE 550 TAMPA, FL 33609 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W KENNEDY BLVD STE 850 TAMPA, FL 33609 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 3.17% |
| EXCALIBUR FINANCIAL GROUP3 Filed as: EXCALIBUR FINANCIAL GROUP INC | 302 KNIGHTS RUN AVE STE 110 TAMPA, FL 33602 | PRINCIPAL LIFE INSURANCE COMPANY | — | $10K | $10K | 2.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.76% |
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN AVE SUITE 110 TAMPA, FL 33602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1330 LADY STREET SUITE 202 COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.12% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 322 | $2.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 507 | $387K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 507 | $387K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 507 | $387K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 507 | $387K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 507 | $387K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 507 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.
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.