| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 N ORANGE AVE STE 750 WINTER PARK, FL 32789 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $60K | $69K | 7.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 N ORANGE AVE STE 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 N. ORANGE AVE STE 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DWEST LIMITED (FL) HUB INT'L MI | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $609 | — | $609 | 5.03% |
| PAUL C BLACK3 | 7623 LODGE POLE DR WINTER PARK, FL 32792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $209 | — | $209 | 1.72% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE ROAD SUITE 201 D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.59% |
| MARK HENDRYX3 | PO BOX 3274 GRAND JUNCTION, CO 81502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.49% |
| IATES INC A & M BONURA & ASSOC3 | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.43% |
| KELLY L KUTCHER3 | 785 GLENWOOD DRIVE LAKE MARY, FL 32746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.24% |
| IATES LLC TEAM WEISS AND ASSOC3 | PO BOX 149505 ORLANDO, FL 32814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.24% |
| CLARISSA LYNNE HERRICK3 Filed as: CLARISSA L HERRICK | HERRICK INSURANCE GROUP INC 2791 HAPPY HOLLOW RD SEVIERVILLE, TN 37862 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.17% |
| INC. REILLY & ASSOCIATES3 | 269 E LONG CREEK COVE LONGWOOD, FL 32750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| ROBIN PONCE3 Filed as: ROBIN W PONCE | 2849 ROXBURY RD WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| SARAH CADY3 | 123 STONE GABLE CIRCLE WINTER SPRINGS, FL 32708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| JENNIE MOORE HAWKINS3 Filed as: JENNIE M HAWKINS | 3216 MEDICI BLVD NEW SMYRNA BEACH, FL 32168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| CATHERINE L ROBERTS3 | 5400 ETTA BURKE COURT RALEIGH, NC 27606 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| DEREK DEVANE3 Filed as: DEREK D DEVANE | 3205 JERRY SMITH RD DOVER, FL 33527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| DBA DH2 INSURANCE3 | DH2 ENTERPRISES INC 13313 FALCON POINT DRIVE ORLANDO, FL 32837 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| JASMINE DORITY3 Filed as: JASMINE K HANNA | 221 ASTERBROOKE DR DELAND, FL 32724 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| RUBEN ROSA3 | 933 LEE RD 200 ORLANDO, FL 32810 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 506 CANTERBURY DRIVE LAGRANGE, GA 30241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 4116 LAKE UNDERHILL RD APT 208 ORLANDO, FL 32808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| LESLIE K KIMBROUGH3 | PO BOX 623557 OVIEDO, FL 32762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 N ORANGE AVE STE 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $306 | — | $306 | 15.00% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $932K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $932K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $932K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $30K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $932K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.