| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41ST STREET, STE A GAINESVILLE, FL 32606 | STANDARD INSRUANCE COMPANY | $5K | — | $5K | 2.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSRUANCE COMPANY | $2K | — | $2K | 0.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41ST STREET STE A GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 8.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.72% |
| SCARBOROUGH COMPANY INS INC3 | 2811 NW 41 STREET GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $273 | — | $273 | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41ST STREET, STE A GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 9.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.34% |
| SCARBOROUGH COMPANY INS INC3 | 2811 NW 41 STREET GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $279 | — | $279 | 0.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41ST STREET, STE A GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 6.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2811 NW 41ST STREET, STE A GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $910 | — | $910 | 2.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $710 | — | $710 | 1.93% |
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 | 378 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSRUANCE COMPANY | 271 | $207K |
| Vision | STANDARD INSURANCE COMPANY | 228 | $37K |
| Life insurance | STANDARD INSURANCE COMPANY | 376 | $164K |
| Short-term disability | STANDARD INSURANCE COMPANY | 194 | $115K |
| Long-term disability | STANDARD INSURANCE COMPANY | 372 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.