| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $28K | $39K | 2.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 N ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 20.00% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON STE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | — | $545 | $545 | 1.95% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $19 | $19 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 N ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.85% |
| STEVE BAKER4 | 153 ESTHER DR COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 24.69% |
| TAMMY S. GIBBS4 | 311 DARROW AVE MELBOURNE, FL 32901 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $88 | — | $88 | 1.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 N ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $468 | — | $468 | 10.85% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $1.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $45K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 69 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $35K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.