| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 327895552 | HEALTH OPTIONS | $20K | — | $20K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 327895552 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 327895552 | PRINCIPAL | $4K | $795 | $5K | 10.57% |
| REBEKAH FUSSELL3 | 11007 CREIGHTON DR ORLANDO, FL 32817 | AFLAC | $1K | $102 | $2K | 10.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1560 ORANGE AVENUE STE 750 WINTER PARK, FL 327895552 | AFLAC | $1K | — | $1K | 8.16% |
| ROBIN PONCE3 | 2849 ROXBURY RD WINTER PARK, FL 32789 | AFLAC | $453 | $20 | $473 | 3.42% |
| TERESA A RUCKER3 | 6248 BORDEAUX CIR SANFORD, FL 32771 | AFLAC | $254 | $20 | $274 | 1.98% |
| TEAM WEISS AND ASSOC LLC3 | P. O. BOX 149505 ORLANDO, FL 32814 | AFLAC | $44 | — | $44 | 0.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P. O. BOX 2158 RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.11% |
| KUY KENDALL GARDNER3 | 1560 ORANGE AVENUE STE 750 WINTER PARK, FL 327895552 | UNITEDHEALTHCARE INSURANCE COMPANY | $252 | — | $252 | 2.05% |
| US BENETEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | ALLSTATE | $803 | — | $803 | 10.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 327895552 | ALLSTATE | $46 | — | $46 | 0.61% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 68 | $553K |
| Dental | PRINCIPAL | 140 | $47K |
| Life insurance | PRINCIPAL | 140 | $47K |
| Short-term disability | PRINCIPAL | 140 | $47K |
| Long-term disability | PRINCIPAL | 140 | $47K |
| Other(3 contracts, 3 carriers) | AFLAC | 38 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.