| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 271 W CANTON AVE WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA | $37K | — | $37K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 600 CLEELAND ST STE 600 CLEARWATER, FL 337554151 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 6.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 327895552 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 4.87% |
| SEE ATTACHED LIST3 | — | AFLAC | $4K | $603 | $5K | 18.38% |
| SEE ATTACHED LIST3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $392 | — | $392 | 8.52% |
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 | 118 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 118 | $920K |
| Dental | HUMANA INSURANCE COMPANY | 89 | $81K |
| Vision | HUMANA INSURANCE COMPANY | 89 | $81K |
| Life insurance | HUMANA INSURANCE COMPANY | 89 | $81K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 118 | $920K |
| Other(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 89 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.