| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL | 362 MINORCA AVE CORAL GABLES, FL 33134 | BLUE CROSS BLUE SHEILD OF FLORIDA | — | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST | 777 SW 37TH AVE SUITE 500 MIAMI, FL 33135 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 5.98% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST | 777 SW 37TH AVE MIAMI, FL 33135 | SUN LIFE ASSURANCE OF CANADA | — | — | $0 | 0.00% |
| MDW INSURANCE GROUP INC. Filed as: MDW INSURANCE | 777 SW 37TH AVE SUITE 500 MIAMI, FL 33135 | AMERICAN PUBLIC LIFE INSUARANCE COMPANY | — | — | $0 | 0.00% |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF FLORIDA | 248 | $2.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 234 | $197K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 234 | $197K |
| Life insurance | SUN LIFE ASSURANCE OF CANADA | 684 | $194K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 234 | $197K |
| Long-term disability | SUN LIFE ASSURANCE OF CANADA | 684 | $194K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 234 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 684 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.