| 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 | $35K | — | $35K | 3.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 271 W. CANTON AVE. WINTER PARK, FL 32789 | FLORIDA COMBINED LIFE | $8K | — | $8K | 12.46% |
| FLORIDA BLUE3 Filed as: COELLO, SOPHIE FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $1K | — | $1K | 1.75% |
| FLORIDA BLUE3 Filed as: AYCOTH, SAMUEL FLORIDA BLUE | 4800 DEERWOOD CAMUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $390 | — | $390 | 0.60% |
| SEE ATTACHED LIST3 | — | AFLAC | $9K | $251 | $9K | 23.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 271 W. CANTON AVE. WINTER PARK, FL 32789 | FLORIDA COMBINED LIFE | $5K | — | $5K | 16.74% |
| FLORIDA BLUE3 Filed as: COELLO, SOPHIE FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVLLE, FL 32246 | FLORIDA COMBINED LIFE | $893 | — | $893 | 2.77% |
| FLORIDA BLUE3 Filed as: AYCOTH, SAMUEL FLORIDA BLUE | 4800 DEERWOOD CAMUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $211 | — | $211 | 0.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 271 W. CANTON AVE. WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA | $935 | — | $935 | 10.00% |
| SEE ATTACHED3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $342 | — | $342 | 8.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 271 W CANTON AVE WINTER PARK FL, FL 32789 | BLUE CROSS BLUE SHIELD FLORIDA COMBINED LIFE | $321 | — | $321 | 16.84% |
| FLORIDA BLUE3 Filed as: SOPHIE COELLO FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | BLUE CROSS BLUE SHIELD FLORIDA COMBINED LIFE | $148 | — | $148 | 7.76% |
| FLORIDA BLUE3 Filed as: SAMUEL AYCOTH FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | BLUE CROSS BLUE SHIELD FLORIDA COMBINED LIFE | $12 | — | $12 | 0.63% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 119 | $1.0M |
| Dental | FLORIDA COMBINED LIFE | 99 | $65K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 84 | $9K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 119 | $1.0M |
| Other(4 contracts, 4 carriers) | AFLAC | 65 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.