| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 12450 BRANTLEY COMMONS COURT FORT MYERS, FL 33907 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | $0 | $18K | 6.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 170 JENNIFER ROAD, SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 7.35% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.49% |
| RAIMEY CORPORATION3 | 12450 BRANTLEY COMMONS COURT FORT MYERS, CA 33907 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $709 | $0 | $709 | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 1330 LADY STREET, SUITE 202 COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $158 | $2K | 10.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $265 | $0 | $265 | 1.72% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 560 HARRISON AVENUE PANAMA CITY, FL 32401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $186 | $0 | $186 | 1.21% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 38 | $308K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $71K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $71K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $15K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $87K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $87K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 38 | $308K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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."
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.