| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | $62K | — | $62K | 16.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 55 E JACKSON STE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 1.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 322564839 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $21 | $25K | 10.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA LOCK CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 322564839 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA LOCK CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $544 | $544 | 1.25% |
| RXBENEFITS, INC.5 | 3700 COLONNADE PKWY, STE 600 BIRMINGHAM, AL 35243 | RX BENEFITS, INC | — | $5K | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF FL EIN 59-2015694 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 4800 DEERWOOD CAMPUS PKWY JACKSONVILLE, FL 32246 | $312K |
| HUB INTERNATIONAL GULF SOUTH LMTD EIN 64-0691633 BROKER | Other commissions Service code 55 | 10739 DEERWOOD PARK BLVD JACKSONVILLE, FL 32256 | $0 |
| TELEDOC PA EIN 20-1020949 PROVIDER | Accounting (including auditing) Service code 10 | 1945 LAKEPOINTE DRIVE LEWISVILLE, TX 75057 | $0 |
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 | 879 | 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) | 879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF FLORIDA, INC | 511 | $382K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,038 | $245K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,038 | $44K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 879 | $382K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 879 | $382K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 879 | $382K |
| Prescription drug | RX BENEFITS, INC | 526 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF FLORIDA, INC | 511 | $382K |
| Other | HARTFORD LIFE AND ACCIDENT | 879 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,038 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.