| 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 | $31K | $42K | 2.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 N ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| 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 | 8.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | — | $804 | $804 | 2.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| 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 | $1K | — | $1K | 10.00% |
| STEVE BAKER4 | 153 ESTHER DR COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 23.22% |
| TAMMY S. GIBBS4 | 311 DARROW AVE MELBOURNE, FL 32901 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $64 | — | $64 | 1.02% |
| 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 | $318 | — | $318 | 10.00% |
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 | 180 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $1.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $1.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 241 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 61 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $28K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 241 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.