| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE STE 750 WINTER PARK, FL 327895552 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $54K | $60K | 6.02% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - CAMDEN | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 12.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 6.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2811 NW 41ST ST STE A GAINESVILLE, FL 32606 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.37% |
| VISION HR AGENCY INC3 | 347 SOUTH RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.01% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR #200 CAMDEN, NJ 08103 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 SUITE 201 DAVIE, FL 33324 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 7.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5600 NEW KING DR STE 210 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $510 | $510 | 3.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | SUN LIFE ASSURANCE COMPANY OF CANADA | $302 | — | $302 | 1.78% |
| COOPER SIMS NELSON & MOSLEY INC3 | STE 750 1560 ORANGE AVE WINTER PARK, FL 32789 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 1.32% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $1.0M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $1.1M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 218 | $122K |
| Short-term disability | STANDARD INSURANCE COMPANY | 218 | $105K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 20 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
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.