| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 327895552 | HUMANA INC. | $38K | — | $38K | 5.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 327895552 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 LASALLE ST 17TH FL CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1530 ORANGE AVENUE SUITE 750 WINTER PARK, FL 32789 | AFLAC | $1K | — | $1K | 8.04% |
| REBEKAH L FUSSELL3 | 11007 CREIGHTON DR ORLANDO, FL 32817 | AFLAC | $1K | $94 | $1K | 7.05% |
| MEGAN MARIE MCCARRELL3 | 2360 W COUNTY ROAD 44 EUSTIS, FL 32723 | AFLAC | $227 | $19 | $246 | 1.42% |
| TEAM WEISS AND ASSOC LLC3 | P. O. BOX 149505 ORLANDO, FL 32814 | AFLAC | $139 | $19 | $158 | 0.91% |
| ROBIN PONCE3 | 2849 ROXBURY RD WINTER PARK, FL 32789 | AFLAC | $77 | — | $77 | 0.44% |
| TERESA A RUCKER3 | 6248 BORDEAUX CIR SANFORD, FL 32771 | AFLAC | $45 | — | $45 | 0.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 327895552 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $408 | — | $408 | 9.83% |
| REBEKAH L FUSSELL3 | 11007 CREIGHTON DRIVE ORLANDO, FL 32817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $274 | — | $274 | 6.60% |
| TEAM WEISS AND ASSOC LLC3 Filed as: TEAM WEISS AND ASSOCIATES LLC | 1521 MT. VERNON STREET ORLANDO, FL 32803 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 1.71% |
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 | 130 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INC. | 99 | $656K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $66K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $66K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $66K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $66K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $66K |
| Other(3 contracts, 3 carriers) | AFLAC | 28 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.