| 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 | $34K | — | $34K | 4.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 271 W. CANTON AVE. WINTER PARK, FL 32789 | FLORIDA COMBINED LIFE | $6K | — | $6K | 11.06% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | 1932 WYNNTON ROAD DEPT 434CK COLUMBUS, GA 31999 | AFLAC | $9K | $525 | $10K | 22.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 271 W CANTON AVENUE WINTER PARK, FL 32789 | USABLE LIFE | $4K | — | $4K | 14.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 271 W. CANTON AVE. WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA | $760 | — | $760 | 10.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | PO BOX 427 COLUMBUS, OH 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $298 | — | $298 | 8.33% |
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 | 89 | $832K |
| Dental | FLORIDA COMBINED LIFE | 75 | $52K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 56 | $8K |
| Life insurance | USABLE LIFE | 61 | $28K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 89 | $832K |
| Other(2 contracts, 2 carriers) | AFLAC | 40 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89 | — |
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.