| 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 | HEALTH OPTIONS | $16K | — | $16K | 5.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 271 W CANTON AVE WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 5.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 271 W CANTON AVE STE 750 WINTER PARK, FL 32789 | FLORIDA COMBINED LIFE | $3K | — | $3K | 9.64% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM, INC | PO BOX 195579 WINTER SPRINGS, FL 32719 | TRANSAMERICA LIFE INSURANCE COMPANY | $423 | — | $423 | 4.06% |
| SIHLE INSURANCE GROUP INC3 | 1021 DOUGLAS AVE ALTAMONTE SPRINGS, FL 32714 | TRANSAMERICA LIFE INSURANCE COMPANY | $257 | — | $257 | 2.47% |
| BEACON ENTERPRISES INC3 | 2441 W STATE ROAD 426 STE 1011 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $165 | — | $165 | 1.58% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33487 | TRANSAMERICA LIFE INSURANCE COMPANY | $163 | — | $163 | 1.56% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $114 | — | $114 | 1.09% |
| ENROLLMENT FIRST INC3 | 6712 DEANE HILL DR KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE COMPANY | $94 | — | $94 | 0.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INTERNATIONAL GULF SOUTH 3510 N CAUSEWAY BLVD., STE. 300 METAIRIE, LA 70002 | TRANSAMERICA LIFE INSURANCE COMPANY | $66 | — | $66 | 0.63% |
| BURKETT & ASSOCIATES INS3 | 12627 SAN JOSE BLVD JACKSONVILLE, FL 32223 | TRANSAMERICA LIFE INSURANCE COMPANY | $47 | — | $47 | 0.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | HUMANA INSURANCE COMPANY | $581 | $87 | $668 | 10.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | HUMANA INSURANCE COMPANY | $649 | — | $649 | 13.57% |
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 | 164 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 36 | $415K |
| Dental | FLORIDA COMBINED LIFE | 59 | $30K |
| Vision | HUMANA INSURANCE COMPANY | 61 | $6K |
| Life insurance | HUMANA INSURANCE COMPANY | 164 | $5K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 36 | $415K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 164 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.