| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 271 W. CANTON AVE WINTER PARK, FL 32789 | HEALTH OPTIONS | $36K | — | $36K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 271 W. CANTON AVE WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | TRUSS, A DIVISION OF HUB 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $9K | $4K | $13K | 16.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $111 | $111 | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | TRUSS, A DIVISION OF HUB 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 11.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | -$973 | $2K | $632 | 1.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | TRUSS, A DIVISION OF HUB 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $2K | $2K | $3K | 16.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $31 | $31 | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W. STATE ROAD 84 SUITE 201 DAVIE, FL 33324 | SUN LIFE INSURANCE COMPANY OF CANADA | $2K | — | $2K | 9.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | SUN LIFE INSURANCE COMPANY OF CANADA | — | $273 | $273 | 1.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | TRUSS, A DIVISION OF HUB 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $8K | $1K | $9K | 68.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $95 | $24 | $119 | 0.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | TRUSS, A DIVISION OF HUB 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 11.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | -$184 | $609 | $425 | 3.88% |
| COOPER SIMS NELSON & MOSLEY INC3 | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 1.44% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 19 | $216K |
| Dental | STANDARD INSURANCE COMPANY | 176 | $62K |
| Vision | STANDARD INSURANCE COMPANY | 99 | $11K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 200 | $96K |
| Short-term disability | STANDARD INSURANCE COMPANY | 31 | $20K |
| Other(2 contracts, 2 carriers) | SUN LIFE INSURANCE COMPANY OF CANADA | 23 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.