| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 10739 DEERWOOD PARK BOULEVARD SUITE 200 JACKSONVILLE, FL 32256 | AETNA HEALTH, INC. | $0 | $44K | $44K | 5.24% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE HOLDINGS INC. | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | AETNA HEALTH, INC. | $2K | $0 | $2K | 0.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 10739 DEERWOOD PARK BOULEVARD SUITE 200 JACKSONVILLE, FL 32256 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.86% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE HOLDINGS INC. | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | AETNA LIFE INSURANCE COMPANY | $298 | $0 | $298 | 0.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SW 37TH AVENUE, SUITE 500 MIAMI, FL 33135 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 11.11% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 186 | $834K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 91 | $47K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 91 | $47K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 193 | $74K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 193 | $74K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 193 | $74K |
| Prescription drug | AETNA HEALTH, INC. | 186 | $834K |
| Other | AETNA LIFE INSURANCE COMPANY | 193 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.