| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | KERRI SISSON 12450 BRANTLEY COMMONS CT FORT MYERS, FL 339075663 | HEALTH OPTIONS, INC. | $55K | — | $55K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W. KENNEDY BLVD. STE 850 TAMPA, FL 336092593 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N. RIVERSIDE PLAZA STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.41% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FL | 6885 BELFORT OAKS PL STE 210 JACKSONVILLE, FL 32216 | PRINCIPAL LIFE INSURANCE COMPANY | $930 | — | $930 | 0.96% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $619 | — | $619 | 1.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 33907 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $525 | $5K | 15.31% |
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 | 245 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 215 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 334 | $97K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 334 | $97K |
| Life insurance | USABLE LIFE | 245 | $60K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 73 | $33K |
| Other | USABLE LIFE | 245 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.